<prompt> Human: Is there something wrong with this? She gotten this deal from her banker. edit : Thank you PF, you guysgals are the best.  <response>: Its not a scam, if thats what youre asking. Being that its through the bank, seems like its legitimate.Is it a good deal? Dont know. We dont know any details about it. If your mom is 80 and its a 100 chance of payout, seems like a great deal. If your mom is 40 and totally healthy, the money could probably have been better used in the markets. 