Yep, with insurance companies, there's always a catch and a lot of very fine print on the contract.
No wonder they are putting up office buildings that are bigger than government buildings around here....
There's even a company that will offer to play on the stock market with the money you give them... and here's the catch: If they make some money from it, they give you 20% and keep the rest. If they lose it, you don't get anything back, it's gone...you have to start paying the insurance company again from scratch. Talk about crooks!