That is a multilevel marketing plan, yes they have a product and it seems to be a reasonable one, but as a customer who once considered being a member of the team, I am glad I decided to only be a customer. I have spent over a decade in sales but still do not think that I would care to sell an idea to others that is based on their becoming sales persons to make me rich. Kind of a cross between selling insurance and Amway.

For those who don't know of the company, it is a financial services company, at one time part of the Citi Bank group, at one time Traveler's Insurance. A bit of an interesting company, here is the Wiki. A second link is a bit of discussion about pros and cons.

It might indeed be just right for you, but look into others opinions, not just the sales pitch you are receiving.