I'll be curious to read responses to this. I haven't looked into yet, but as I understand, its an excellent way of protecting monetary assets. The policy can't be attached via a judgment or charging order. It makes interest tax free (IIRC) and although I believe you'll find its much later before you can withdraw (similar to social security) one can take out a loan against the funds invested and pay it back or not without penalty. Plus it pays at death and/or can be passed without estate taxes.