I remember getting a call from these clowns back when I was looking for work. I knew right away it was garbage.
Has he already started with it? If not, just tell him to google Primerica, he'll get plenty of info on scams, etc. That should make the point clear enough.
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A few weeks after crashing head-first into the boards (denting his helmet and being unable to move for a little while) following a hit from behind by Bob Errey, the Calgary Flames player explains:
"I was like Christ, lying on my back, with my arms outstretched, crucified"
-- Frank Musil - Early January 1994
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