<prompt> Human: He says that life insurance is a better retirement option than maxing out a 401k or a roth IRA or both, or investing. I dont know much about life insurance and im skeptical because life insurance has a very negative connotation. what are your thoughts?UPDATE: company is TRANSAMERICA friend is an agent...UPDATE 2: just left the meeting, this meeting was more geared towards bringing me on as an associate for World Financial Group WFG, I was not down. They were very aggressive about signing me up TODAY with a 100 payment giving me access to financial knowledge and the network. While I do think the network is valuable most of these guys have full-time jobs outside of this the part that triggered me was that no one was talking about the product. Everyone was focused on getting me onboard and me building a business but how can I build a business if I dont even know the fucking product. I also learned my boss is part of the organization I work in a startup in Silicon Valley so Im a little worried he might view me negatively for not joining...Assistant: Your colleague is no friend, no doubt trying to sell you on rip off whole life insurance.Tell him you arent interested, no really, NOT INTERESTED. Oh, and he is deluded claiming that whole life insurance is a great investment, its an awful investment.Human: Could you elaborate why its a bad investment? He bought in and is paying for his sister to buy in,.. maybe I can help him get out?  <response>: Your investments should not be about him or his circumstances. 