<prompt> Human: I was approached cold by a rep for Allianz about this plan 6 index universal life. He touts it as the best as far a tax hit goes for a long-term investment. It does have a death benefit, which I like as I have two kids. I am 34 years old and in good health I already did their blood test and health phone interview. I want to start saving for retirement as I cashed most everything out when buying real estate. I dont have a lot of disposable income because I put a lot of money into my property but that will get better over time. I would be happy to answer any additional pertinent questions about myself or this plan. I am probably on a limited time-frame as I did the medical so now I have to either commit or walk.Thanks in advance for your input. I simply dont know much about this plan. Is it a good plan or should I be looking for something else?  <response>: Is it a good plan or should I be looking for something else?It is not a good plan and you should buy term insurance. See the FAQ entry on insurance Permanent life insurance products usually arent even good insurance products, much less investment products. 