<prompt> Human: Hi rpersonalfinance,I recently just passed my 90 day period in my new job and my work just connected me with a financial adviser that handles our retirement stuff. I spoke on the phone with him briefly today and he also sells disability and life insurance. I got a real salesman vibe from it and it made me pretty wary. I wasnt planning on signing up for those as I have no dependents, am relatively young and healthy, and I dont have debt to pass on if I die. I also live in CA and I know we have a disability insurance program but I dont know much about it. Today he pretty much just wanted me to strongly consider the insurance options but I am going to have to finalize things with him this week and Im sure hell pitch it again. What are your thoughts on disability andor life insurance? If you have them, why? If not, what would have to change before you purchased them? Thanks in advance.  <response>: Salesman selling hard should be enough to make you run, he is after a commission There is no rush so dont let someone pressure youIf he is selling wholepermanent life insurance then just say no 