<prompt> Human: What gives? I figured with him working at a big financial institution, he would learn the ins and outs of personal finance. I thought he would get an understanding of setting up a plan to reach financial goals, investments, and insurance. It seems he is getting a crash course in life insurance.Let me explain: He is trying to tell me that life insurance is an investment in and of itself, and that the most important asset anyone has, is their ability to earn an income. He keeps talking about how term and especially whole life insurance, should fit in with everyones budget, because they need it. He talks about million dollar whole life policies having a guaranteed cash value, paying out dividends, and growing at 7 each year. It all just seems very fishy and misleading. I put all these things in quotations because when I looked at the whole life policy document he had, it said it pays back dividends out of the over payments from collected premiums. He already went and took out a term policy for himself. He is 19 years old with no dependents.This is just a tiny bit of what he talks about all the time. From the outside looking in, it looks like he is cold calling people and trying to sell shitty financial products, but he doesnt even realize the products he is trying to sell are shitty. Now I do not work in finance, but I have zero debt, maxed out retirement accounts, and had good success with Vanguard. I think I have a basic understanding of financial planning. When I bring this up, he tells me since I am an engineer and not a financial representative, that I am misinformed, and that I should come in so that he can help me. He doesnt know what an IRA is.Am I missing something here or how do I gently let him know what is really going on?  <response>: Throat punch and then a link to bogleheads ought to do. 