Are investment institutions worthy life?

I heard the radio ads and they seem interesting. Anyone have knowledge or experience?

They are at high risk and you may not recover your money for many years. While vendors are trying to pay off only old patients, they are required to pay a healthy person on occasion. As for taxes, if you buy one of these, the income (distribution policy gains less premiums continue no less) will be ordinary income to you if you do not collect that because the person dies. This is true even if they die within 10 years.