Yes, they will promise you sky in diamonds, but what you should look at is the guaranteed value. It was already noted, and not only in this forum where people are particularly abhorrent to 3a mixed insurances, that these products assume extremely unrealistic expectations for future returns.
So, what is the guaranteed return of that product? Let me guess: 0.05% p.a. after 40 years, -100% after one year and something in-between in-between.