Cons: Gave me an Insurance Policy and he was completely devoid of any Information about the price going up in 2014, so I owed $1500. pay-back for catch-up Premiums on: what was turning out to be a "vehicle" for Investors- NOT single mothers! Those people paid monthly according to the stock market and interest in bank's values at the time or year in question, or, to: Trade this policy in for another one as they wished! The Cash value being depleted from them wanting the same premium per month but it needed to be RAISED- unbenownst to ME- a full 6 years earlier than I was told, to: $270.00 per month instead of in five years, to: $75.00 per month on-going, when I reached 75! I didn't even know that there WAS a cash value, or that this was to be turned over to get another one in case I didn't die at age 70, but I thought that it would need to be 'adjusted" (per his words) at age 75. I am owed $9,000 so that I can recoup this loss. I was trying to take care of my disabled son with aphasia and severe communicative disorder, so I feel extremely anxious