<prompt> Human: Ok generally I understand why UL is a bad idea. One should buy term life insurance and invest the difference. But the more I read into this policy, the more I notice there are maybe 4-5 caveats that make this product a sham. The more I read into it, the more convoluted it becomes.The UL is being sold through WFG I get it, it is a culty, scammy company and I just want to be able to clearly articulate to her why it is a bad idea. Can someone explain what happens to your money in the savings portion of UL? The cost to insure you rises and they pull that extra cost from your cash value? Im not sure whats going on.EDIT: What are some questions I can have her ask her superior to help her realize the product is bad?  <response>: Youll have to go over with her projected expenses year by year and pretend to die every step of the way. Morbid, but effective.Get a quote for term life and make the comparison.Do you have kids that she needs your income to continue raising?Do you have debts that wont be paid in full after a term would be completed?At what point in your financial future as a family will your income no longer be needed? That will help her see the big picture. 