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@jane3322 All IULs are going to have caps on them, but generally they're much higher. For example the IULs I have have a cap of ~11-12% on the S&P. Again, depending on how long you held them and who the carrier is, I would call them and tell them that you were misled by the agent in what you...

@jane3322 If your friend sold you a product that was different from what you requested then I would even reach out to the carrier and request a refund of premium. If you had requested a minimum death benefit and were sold an inflated one then that's very bad. I've seen the carrier do it before...