<prompt> Human: I met with a financial adviser and his recommendation after 401k, IRA, is life insurance as an alternative to pensionsocial security since 401k and IRAs have a maximum yearly amount. Ive never heard of this before, and while I do trust this financial adviser, is there anyone that could go into what this means for me? The current plan is to invest 10k yearly into this life insurance...plan? Thanks!  <response>: I do trust this financial adviser, iThe life insurance policy is a great deal for him--he gets a commission on the sale and gets closer to meeting his sales targets. 