<prompt> Human: My friend from high school is interning at Northwestern Mutual and I had some meetings with him and his boss. They recommended I sign up for their T80 life insurance plan but I cant figure out why I would need life insurance with no kids or wife. I feel I would be better served by putting some money into mutual funds or something else. I didnt get a good vibe from the Northwestern guy and he seemed like he just wanted me to sign up for something for the hell of it. Any suggestions? Thanks.  <response>: They recommended I sign up for their T80 life insurance plan but I cant figure out why I would need life insurance with no kids or wife.There is no good reason for you to sign up for this. They just want you to because they get a big commission off the sale. See the FAQ entry on life insurance If your friend actually tried to sell you a life insurance policy they probably arent your friend.As far as what to do with your money, please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information worth a read as well. 