I don't know if its scam or not but those agents are making some good money when they find someone to enroll in that so called Life insurace + savings plan..... they get about 50% commission or so...... But i don't think it's straightforward, there are some hidden things there....They say you'll get cash value or tax free whatever..but its not that easy.. question is will all the new people who are enrolled no will continue contributing until they reach 60-65 ?