I bought a contract with another insurance company, and now Conseco owns it. The original company went out of business. For a number of years they followed the contract. Now they have a formula so that all my 401 money that was invested in the contract will be gone by the time I reach 70 unless I pay higher premiums. This is a calculated plan to milk me of all the retirement money I invested in the policy. Be aware of insurnce investments, they are sneaky. I am going to turn everything over to our state's insurance commisioer and other consumer action agencies to see if I can fight this.