@evanburnside12 They don't want to address this, and the idea is "don't panic," which if you're middle-aged is maybe reasonable, but when you're in retirement well, lol.
@jeshurun1111 IULs are different, they have 0% floor and there’s caps on what you can gain, and the broker, or insured aren’t the ones doing any financial moves. Whereas a VUL you do need security licenses to be able to even talk about those. Don’t get it confused.
@resjudicata I didn't say he needed a securities license to sell IULs. I'm saying he's talking out his ass to people who are licensed and actually work with securities.