Many consumers were told by insurance agents that they need to pay premium for 10 to 13 years. After that, they can stop paying premiums, and the policy can continue "smoothly".
The consumers did not realize that when the stop paying premiums, the premiums are being charged to their cash values and interest is added at a high rate. The cash value can run down and may eventually eat away the entire policy. All the premiums paid previously would be gone.
When the consumers learned that this is how the policy worked, they were shocked. They did not realize that their past savings would be gone.
This type of sales presentation had a high risk of being misleading to consumers. Many consumers had been misled into entrusting their savings into this type of policy.