<prompt> Human: Hi PF, long time lurker on this thread. I have about 17k in student loan debt interest ranging from 3.5-6.1, 10k in car loan 2.5, and 2.5k in credit card debt 0 interest for next 4 months. I am a 24 yo male, live rent free with girlfriends family at the moment, work as an engineer with a 2nd job tutoring, so I make decent money for my age. My neighbor just graduated and got into wealth management, so I agreed to a couple of sit downs with him and his colleague. His colleague is pushing extended disability benefits on me big time, to the point where he said If you dont see the value here, I dont think we can work together. I see the value estimated 40 per month cost to increase my coverage from 50 monthly salary to 85 but at such a young age with decreasing debt at fairly low interest rates, I dont feel that it is completely a no brainer for me.He is also pushing cash value life insurance. This has been my first exposure to this type of asset, so any advice is much appreciated. My company offers me 2x salary death benefit, and with no dependents and much less than 2x salary in debt, I dont see the rush on getting into this either maybe when I have a mortgage and family to protect?.Id much rather open a Roth IRA am already participating in my 401k up to company match, but he says that the other two are much more important to engage in first, and I can start the Roth IRA after my current debt is settled.I feel like hes trying to pull a fast one on me... Id rather pay off my debt, contribute to my 401k and open a Roth IRA, then consider a real estate investment or brokerage account after my debt is paid. Do you agree with me, or can you shed some light on why the financial adviser is so gung ho about the CV life insurance and disability benefits for someone in my current financial position?Thanks!  <response>: There is really no need for life insurance if you dont support anyone financially. When you do, get term life insurance. Its cheap. The only reason someone wants you to get whole life insurance is because they make money off of it. 