Mayday, I hope this works out for you. I know it is a very popular product. But for others who are reading and may get enthusiastic about something that sounds so great, there are issues to consider. It is not insured by the FDIC or federal government, only by the strength of the company. If they go bankrupt, you could lose everything. This is a high commission product, though the buyer doesn't pay outright, their commission structure can pay up to 7.5% for the first year alone, in addition to commissions following years. The money comes from somewhere.