Your agent will make a very fat commission by selling you this product. Most of us will not deal with a Know-Nothing and Know-it-all person. So treat this product like a Know-Nothing and Know-it-all person, don't buy it. You have to know your investment goal, preserving wealth, or sending kids to college, or saving for retirement, ect. There are a lot of investment products sold by insurance agents, a quite of them are not suitable for most of us, but very suitable for making commission for the agents.