<prompt> Human: Im visiting my parents and they have informed me that they are meeting with a consultant who is giving them advice to roll thier 401k and pension over to invest in a insurance company. He promises that the principal will never go down. Sounds a bit to good to be true but Im just a novice in these matters. Total 401 k and pension is just over four hundred thousand. The consultant is independent, they met him through church. My father says he knows people that have used him. One of the companies hes advised to put money into is nationwide. He says not to invest all of it into one place which sounds wise to me. Im going to be present for thier next meeting. What questions should I be asking? What facts do I need to get before my parents invest?  <response>: roll thier 401k and pension over to invest in a insurance companyNONONONONONONONONONONO! 