<prompt> Human: Im 25 year-old single man with a good job 105kyear and a high net worth for my age due to some inheritance 950k. Most of my money is with Edw Jones in funds and stocks, but I also have a 401k, a maxed-out Roth, and about 40k of cash on hand. A friends husband is a rep and Northwestern Mutual and he talked me into exploring whole life insurance as a way to diversify and to have some investments that are sheltered from taxes and from the vagaries of the market. The more I think about it, though, the less it makes sense. I have enough invested to ride out any stock market downturn, and I could make way more than the 5-6 Ill get on the whole life policy if I just invest traditionally whatever Id put into the insurance policy.Im supposed to go sign the policy this afternoon, but I really dont think I should. Is my logic right here?One thing to note: for personal reasons, I am considering leaving my job in the next six months or so, and will likely take something that doesnt pay as well for my next gig, as Im considering moving to the public sector.  <response>: Whole life is a terrible idea for almost everyone. And the seller makes huge commission off of it. 