@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.
What are their average returns over decades, through market crashes? Do their investors sell during crashes and buy at the top? Yes, they do this often. That's going to be an inherent problem with volatile asset classes.