I am very familiar with this and what the salesperson is doing. I can give you the very simple version: this is an extremely shitty idea and you should run a thousand miles. And never, ever do anything financial with the clown trying to sell you this crap.
I can give you the longer version if you want it... he's doing this for the big commission check... he is selling you a product that invests in stock indices using very complex methods and huge fees.
It is crazy how these guys can make you get something that you don't really need. They are experts in that and I that is why I did not trust any loan company. I managed to live a long time without loans, but I needed to fix something on the house and the money I had was just not enough. Friend recommended https://credit-10.com/se/santander-logga-in/ to me and now I work only with them when I have the need. They are cool and they were not trying to sell me something I don't need and I appreciate that.