<prompt> Human: Hey guys,I spent the better part of two years talking with and receiving free advice from a financial planner. We consummated the relationship over an IUL, or Indexed Universal Life policy. I signed up for both me and my fiancee, investing about 22 of our net income into it yearly.Fast forward a year. I attempted to use him to refinance my mortgage, and the fees were exorbitant bank, his closing company, etc. and I rescinded at the end of the process within 24 hours of signing. That really damaged my trust in him as a few things didnt quite add up to him 100 doing what was right for me until he was fully screwed on landing the deal. Since he has agreed to personally refund my appraisal costs, which is generous but disconcerting.Now, I just received my annual statement on the IUL and Im booking 2.41 returns when the SP hit almost 30 over the same time period. I am concerned that I made a huge mistake on the IUL paying several thousand in up-front costs, and Im curious what to do about hanging on and, more importantly, where to get a solid second opinion for free or cheap.By all means, offer your opinions, but Im mostly looking for suggestions on sites where I can find someone whom I can speak with about it and fully review it separately from my present adviser.Thanks!  <response>: Yes, you almost certainly made a mistake. Sorry, wish I could sugar coat it. If youre up on indexing - and I certainly am - go with actual index funds at a place like Vanguard; dont pay middlemen and take huge reduced gains just for a guarantee that it wont go down, unless you are _strongly_ risk averse. Also, if you need financial advise in the future and the internet isnt giving it great to you, find a _fee only_ one. I wonder if your financial advisor was really giving you free advice or if he got commissions instead of a check from you._Edit_ Place for fee-only financial advisors: They get paid _only_ by you and no commissions. This ensures no conflict of interest, which I suspect the seller of the insurance had. 