I had much similar experience as fellow victims here. I consider myself a little luckier because...
1. I did not do the automatic electronic fund transfer. The agent pushed me hard to deposit using ETF for $1000 a month, while I only did a few months with $500/mo.
2. I only put in $2000 and stopped.
This company is a SCAM!!! Your money is ONLY yours on paper or in number. If you really need the investment $ for urgent need, or want to cancel the policy, your cash value (no matter how much you put in) will always be $0 because of the surrender charge will always be equal to what you have in your account!!! STAY AWAY from these people! The sad thing is they are the ones you feel you could trust, because they usually floating around your friends' parties, houses, act like YOUR friends.
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