<prompt> Human: My GF is way too trusting. She teaches at a public school and they have these financial advisors that take setup all your savings and retirement stuff.Its all sounded legit but now my GF tells me they want to setup a life insurance plan for her and my Spidey Sense starts to tingle. I do some research on this sub and find young people without kidsthats us should never really pay into life insurance. So now my GF tells me its not regular life insurance but Variable Universal Life of which there is not info around. She says the main point of it is the savings plan side of it which you can pull out easily unlike a 401, not the life insurance side of it and thats its good to have both a pre and post tax savings. Now Im thinking if thats the main purpose of it, wouldnt you just be better off on investing in something that is strictly a already taxed savings plan.Now the financial advisor is willing to come over to our house and explain it all to me but thats just another red flag to me. Hes either a super nice guy willing to make a trip on his personal time just to explain something to a stranger, or it sounds like hes pretty desperate to sell something.Tldr, meeting with a public school financial advisor about a Variable Life Insurance program, what should I be asking him?  <response>: thats its good to have both a pre and post tax savings.Those investing accounts already exist - theyre called Roth and traditional 401ksIRAs. No need to pay extra to have worse options and terrible life insurance coverage. 