if this guy is trying to sell you permanent life insurance then he isnt a friend. only buy permanent life insurance for a permanent need which per your posts you dont have. It is a complete rip off as an investment. Why allow the insurance company to buy bonds/treasuries and act as a very expensive middle man while reducing your liquidity. Its a horrible, horrible investment with most people losing money bc they are forced or decide to surrender it before death. Term could still make sense if you plan to have a family. You would be just locking in your rate now with your good health. Sure you would be paying something extra for that lock in but could easily be worth it. Disability insurance is for you and not your loved ones for the most part. If you were to become disabled, it can break you and your family which in this case could be parents caring for you. Personal is always better than group but more expensive. Avoid allowing any other agent to give you a financial analysis. It will always point to more insurance, in particular permanent, which 99% of people should never buy. Its a shame the industry doesnt have a fidcuiary standard.