Many young adults, after starting to work, are approached by a lief insurance agent and advised to buy a life insurance policy to get protection against premature death and critical illness and to save for the future.
They are not aware of the negative aspects of the policy and will usually regret their purchase decision a few years later. When they terminate the policy, they will lose several thousand dollars in their savings.
To avoid this loss, they should get an independent review of the policy, before they buy it. Read this article.