<p>Kammom, don’t worry about the major insurance companies. Even with the AIG fiasco, none of their life insurance subsidiaries were affected and not one of their customers were harmed. All policies and contracts performed exactly as guaranteed, and they still do. Life insurance companies are the most heavily regulated businesses in the US. No one has ever lost a dime that was guaranteed by a US life insurance company. If MetLife, or any major insurer, has a product that makes sense for you, invest with confidence.</p>