A fair rate of return

If someone takes your money and promises to return them to you, and breaks the promise, you will consider that this person has cheated you.

If you invest in a life insurance company and expects to get a certain rate of return, depending on the future investment yield of the Life Fund, and you get less than the fair rate of return, would you feel that you have been cheated? It seems that many life insurance policies give a lot of leeway to the insurance company to decide on how much you can get and how much they can keep!