<prompt> Human: Dear old dad sat me down today to gather my thoughts on an investment opportunity. Let me preface this by saying he knows the father and grandfather of this person very well. A friend of his from white collar crimes think: financial crimes even checked this place out and gave it the thumbs up.Heres the deal:Invest say 100k with company on a 3 year contract with 1 return. Every month you get 1k from the company and at the end of 3 years you get 100k back.The company operates by buying life insurance policies of elderly and the severely ill. Say you have a 300k insurance policy and you desperately want 100k to pay for more chemo therapy for a few more months of life - you can sell your insurance policy to this company. They will give you 100k and when you die they cash in on the 300k. They advertise themselves as a full service financial and insurance company that provides Life, Annuities, Health, Home, Auto, and wealth management.The purchase of the life policy from the ailing customer is done in such a way as to prevent contentment in a will.Also, when asked Why dont they keep the life policy since theyre going to die anyway and give it to their family? they indicated that its an emotional response and they want to live just that little bit longer. Their website is pretty lame and not very interactive. I am having a hard time, other than the skeevy sounding nature of this business, identifying something really wrong with it. Its listed by the BBB as A with only 1 complaint since 1999. I cannot find anything bad about them using google fu.Other than the financial risk of people not dying to pay out life policies to use to fund the returns to investors - is there anything else that comes to mind as a risk? Is there a way to verify this is not a poniz?  <response>: This is not a ponzi scheme. A ponzi scheme specifically relates to the compensation of participants solely with funds generated by mandatory initial investments placed by newly recruited participants. 