<prompt> Human: Ive spent a total of 6 hours working with a woman who is a professional financial advisor and had offered a workshop at the local tech co-working space.She wants me to take out CVLI and pay large premiums into it. We just had a 2-hour conversation about precisely what that is. I once allowed a nice young man to pick me up on a Saturday and try for two hours to sell me a permanent LI policy. It seemed super-duper fishy to me to borrow against myself with an account like lending instrument that seemingly never needs to be repaid. Im still not convinced that a life insurance policy is the correct place to put my excess income to work, but I dont have numbers for this opinion: it just feels really weird.So, questions. Should I trust this person and continue to work with her? If I didnt take out a CV life policy, what would I do instead to keep this money on track to be useful to me in raising kids? Should I find another advisor? How do I do that?Enough information to give you the general idea: 5 months emergency fund, check. I max out my 401k contribution to a Vanguard target fund. I make considerably more than I spend. My car is paid off and my rent is tolerable as long as Im working as a full-time app developer. I am not currently a homeowner and already bought and sold my first condo in a paroxysm of love-drenched optimism. I live in a real estate market entrenched homelessness situation dominated by a certain large online retailer that kinda started running the internet a few years back, youve heard of them, and I dont feel like home ownership is in reach with the down payment I have. Hoping to get pregnant within the next year ... that feels really soon... the clock, how loudly it ticks but want my kid to have two parents, and I recently left my last relationship, so what am I doing posting to Reddit on a Friday night. Getting smarter, I hope.  <response>: permanent life insurance is a great product...for the person selling it. 