Remember we are living in a world full of unexpected and surprises, full with dubious people claiming to be real insurance agents. They'll come to you appearing very decent, and explaining the terms of every insurance policy, so you invest in your money with lots of benefits they'll list out for you which is very much bigger than what legit insurance schemes can offer.
We should always be wary of this agents promoting fraud with toms of reward to be made with any given insurance policy.
It is always advised to make proper research, ask questions concerning the information you got from an agent claiming to be licensed with an insurance company. That will enable you find the truth, knowing which one is legit or scam.