<prompt> Human: I recently moved my assets to Mass Mutual and not long after, I was staring down the relentless sales pitch of whole life insurance. It was explained as contributing 60k in principal over 20 years and I will be able to withdraw pver 400k by age 63. Aside from being tied to the monthly payments no mater what for 20 years, it sounds too good to be true and i must be missing something. Im 24, make 85k, and have qualified and non-qualified investments. Why should or shouldnt I run far away from whole life insurance?  <response>: 3k a year in the market for 20 years what mass mutual does is 131k. Another 20 years of that sitting is 529k. So theyll skim 129k from you. 