I hate investing. Shit in general is made up bullshit and is halfway between a scam and gambling, but unfortunately I live in a society and have to play these games for my own survival. Anyways a coworker I generally trust recommended I get one of these for retirement or college funding or whatever: the concept is I pay towards a life insurance policy and after some time I can leverage it for cash to do stuff with. I’m not familiar with all the details of how it works: whether it’s a loan with no interest or an early use of my policy’s pay out. So, I was wondering if anyone here has used one in the past or knows of these matters and can provide advice on it.