Great article looking at the whole life insurance industry, it's predatory practices, how new grads looking for jobs are exploited and why the insurance polities are unsuitable for almost anyone.
Student? If you are then to innoculate yourself against these business scams, you need to go along to at least one MLM presentation given by a friend (watch for something sold by a friend as a business opportunity).
I wonder what other things we need to mentally vaccinate ourselves against?
Don't believe you would never get caught out: there's too many clever grifts out there and they prey on your dreams.