<prompt> Human: My in-laws retired last year and hired a financial advisor in September to help them with their investments. Recently, my MIL mentioned that one of the things the advisor did was set them up with a life insurance policy. An alarm went off in my head why would they need that? all the kids have left the house, I asked if it was term or whole. She said it was a kind of hybrid, one where they could take out the money anytime they wanted.From what Ive learned from PF, this is a red flag. Ive been worried for days about what other kind of advice this advisor has given them. Since then, I bought them The Bogleheads Guide to Retirement Planning which they dutifully read, had a small discussion about what stocks they were sold on a lot of Voya which tends to have high expense ratios, sent them an article about expense ratios, and suggested they review the expense ratios of the stocks they invested in. They dont seem to be worried since, in my FILs words, they can live off his pension and the rest which includes these investments and a rental property is just fluff. Thats fine -- its their money, and theyre currently in good health, but for how long?The life insurance thing in particular is really bugging me. Id like to send them the FAQ page on life insurance, tell them that being sold on life insurance in their situation is a red flag, and to reconsider using this financial advisor. Am I going too far and getting meddlesome? Or would it be irresponsible if I didnt push the issue? If I should say something, whats the most diplomatic way to go about it?Edit: Thank you all for the advice. You can lead a horse to water, but you cant make it drink. They have the Bogleheads guide. Ill let them make their own decisions and mistakes, and hopefully there will be enough to cover medicalnursing expenses when they get older.  <response>: I think theyre better off with a fee-only advisor. He definitely sounds like a salesman. Honestly, Id be delighted to hear what kind of bullshit excuse he used to convince your in-laws to purchase that policy. Must be a humorous one. 