Next you'll be saying my Nigerian investment partner is a scam.
Not joking. 10 year level term for 100,000. Into third year in January. Through Tansamerica Life. The spam wasn't from Transamerica, it was a canvas from an independant agent. He offered me several choices to choose from.
I have a friend who refinanced his house as a result of a spam e-mail. Said he got a significantly better deal than any of the companies he had called directly. Spam is like any other solicitation. Some are good deals, others are bad deals, most is unrelated to anything I am interested in but I just delete those without bothering to read them.