<prompt> Human: So a friend of mine has a parent that works with life insurance and suggested that I get whole life with 15 years premium paying period. He basically said its like whole life insurance but I would pay about 250 a month for only 15 years if I wanted 150k coverage. After the 15 years of payment, I still have life insurance and it still accumulates cash value until I take it out or pass away.Do you think I should spend 250 a month for this or should I just be putting it into a Roth IRA?Edit: The exact numbers for the life insurance are 236.28month for 15 years. The cash surrender value after 15 years is 45k and by the time im 65 its about 215k.  <response>: Do you have any dependents? If not, you probably dont need life insurance. 