Many thanks at everyone.
Lemsta69:
1) ok, I understand the procedure is legit.
2) yours was 1 year, mine is 12 years, 3 to 5%/year, they call it saving insurance.
Probably it is not the same.
3) I understand it is not the best investment, but at the end you get your money back + interest. Alternatively, with a school visa I will lose all.
Nigesforbes:
They simply do not let me open it.
They want you go to agent, or insurance, so in short you have to pay.