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@fantomas318 I am a financial planner. All financial planners sell life insurance because it's part of financial planning. Just like all surgeons use a scalpel or all mechanics use a wrench.

@fantomas318 I appreciate that you feel that way and you're trying to help but if life insurance comes up in a financial advice/planning conversation it's because it's standard protocol. It is not a red flag. I know life insurance sales gets a bad rep because there are agents in the industry...

@fantomas318 That is not true at all. I understand why life insurance is not everybody's water-cooler-topic, but life insurance is a KEY component in planning (if you're not a millionaire). Some people have a bad experience with a life insurance salesperson and lump life insurance into that...

@djlitton This is a good point. Fees are definitely important to consider when it comes to hiring a financial advisor/planner. However, in your situation, nobody is going to retire working with you. Most advisors and planners have to make a living like anybody else. They solicit their knowledge...

@studentoftruth yep, that's good advice!