<prompt> Human: Has anyone heard of the Become the Banker program? Its kind of an annuity life insurance program that guarantees a 4 rate of return. Apparently there is no hold period like other annuities, and you can access your money whenever you want. How do these guys make their money? If this is such a sweet life insurance program why isnt everyone doing it? Im looking into life insurance right now and am considering the become the banker program as an option. Thoughts? Please, talk me out of it.  <response>: This sounds like a pitch for whole life insurance. There are some uses for it but unless you are a multi-millionaire or a business owner, those reasons dont apply to you. 