Do you know why your agent is so eager to sell you this?

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.