I want to list on a professional web site information about what your insurance company is not telling you (the sales agents are not to blame because they have no idea either). With this information you arm yourself to ask the company some special questions and discover the truth and stop them siphoning funds from your savings without your approval - or they may refuse and try to hide the truth.
The investment statement, policy, and sales material are silent on important material matters. Including undisclosed discretions the insurance company use to siphon-off or "adjust" your savings over time (despite the laws, regulations, fiduciary duties, ethics etc) - For the legal minded, such contracts are defined as 'long-term utmost good faith relational contracts of super adhesion'. Which means, its a "take it or leave it deal", you cannot negotiate. You have no choice but to trust them-but they do not disclose their secret discretions. Would you join a collective to protect your savings
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