I would be careful of anything where you pay upfront money for a lifetime of benefit . If the operation folds, you won't get a lifetime of benefit but your money will be gone . I'd also want to know whether the money paid in now is being saved for future operations or is being used to pay current expenses . If the money is being spent as it comes in, on the assumption that more people will join and cover future expenses, that would be like Social Security LOL .
I'd also Google to check out a firm before buying .