good as networking style, need mo din mag invite ng mga magpapamember not sure kung yung Kaiser padin promoted insurance at di yan liquid kung ipupullout mo na at may bawas sa hinulog mo, antayin mo pa yung maturity period 15 years ata diko na ma alala.
better yet invest nalang direct sa mga UITF ng banko, mutual funds sa sunlife, FAMI etc or kung may time go for stock market