WARNING!!! ISM is a big SCAM!!! they promised our entire family that this was a savings (annuity) plan at 4%. in reality this is just a 30,000.00 term life insurance plan. After 10 years, it starts to drop in value until it has no value. The college "help" was really nothing, just a binder with college names!!! Bull ***! All the money they steal from our account goes into the super expensive life insurance policy! the rest to Fees. They never sent us any statements and the "savings" is only 50 cents per month, after they steal $100.00 from us every month. We are in process of cancelling, but will lose all our money. Hope to file a lawsuit to try and recover any money!!! Stay away from those scammers!!!!