A couple of things:Does it seem too good to be true? It probably is. It sounds too gimicky.For me, a key phrase is: If they make money, they pay a dividend to your plan.This is almost always a statement made in annuities too. I just don't trust them to overpay themselves or overspend themselves on themselves.Use Term Life if you feel you need insurance, through a nationally recognized firm. Your money (and return) would be better invested on a mix of index funds/ETF's IMHO, as mentioned Vanguard or Fidelity.
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