Here is how I like to view the method of ancillary supplemental products.It is an investment that you already know what you are receiving in payments.Unlike your stock market these are set amounts prescribed for defined payout..the only thing is you should have someone who is knowledgeable on getting you the maximum amount that you are entitle to..a lot of companies try to not itemize your invoice as they should..but make sure you always ask for a itemized detailed bill/invoice.Remember it's not IF you will need that extra cash,it's just a matter of WHEN......good day