I deal with Utmost (earlier Generali) for their Utmost Worldwide plan. I have signed necessary documents so cannot state from legal perspective that I was not aware but the agents selling this make sure you do not understand the fees being collected by them. It is extremely high. After servicing 10 years of payment, I received bonus USD 6K which was more than appropriated under administration charges. Infact, the charges was more than USD 6K. If you are stuck with them, like I am, I am continuing since the surrender charge is high but if you can avoid, please do.
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