Look... Most people don't understand insurance!
This talk that "insurance and investments shouldn't mix, I don't believe in life insurance, I won't need insurance when I retire, only buy term insurance, its all about the commissions, its only good for the insurance company", etc. is competely unfounded, unproven, unjustified!
A good financial planner will sit with his or her client(s) get a complete understanding of goals/objectives, available assets, cash flow, etc. and provide SOLUTIONS to meet those goals/objectives and also provide SOLUTIONS to protect against "losses" to help meet those goals where applicable (ie insurance).
I, as a parent, choose to buy life insurance on my kids...its variable life. I know how it works, what purpose it serves, what my intentions are for the policy, and I can afford it without effecting my other goals (ie retirement, college etc.)
Someone saying I don't "believe in life insurance", or "buying LI on kids makes no sense", etc. doesn't apply to me. Those statements...factually are incorrect in my case!
It CAN be one's opinion for their own situation that the above comments apply...but it certainly doesn't apply across the board!