conversation with a friend

I remember my conversation with a friend not long ago. She is inviting me to get retirement insurance that she is a part of. Well, she has been paying the premium for a year now and just wants to share the good news to me. She says it will be very helpful when I want to retire at certain point of time. She also showed me the insurance quotes given to her by the agent. It sounds interesting, but I do not have a stable job to pay for it. I am afraid that if I start now, I might end up with nothing maybe in the future when I can get a job with a fix salary.