<prompt> Human: My fiancee and her parents are clients with a fiduciary who has convinced them to do an IUL. Since I will be a part of their family, they asked if I wanted to meet with their fiduciary, which I agreed to. My fiancee gave me a heads up on what she got which was an IUL with Allianz.Based on my lurking on this sub, I have come to be cautious with IULs. What types of questions should I ask or what details should I look out for in my meeting with the fiduciary?Assistant: Save yourself the headache and cancel the appointment. Human: I will admit, I am curious to hear the fiduciary out because fiduciaries are required by law to tell their clients if whatever they are selling them would be good for them.So Im thinking that the fiduciary wouldnt try to scam my fiancee or her parents otherwise he cant be a fiduciary anymore.  <response>: The flaw in your desire to out the fiduciary - IULs are not a scam, and are not bad for you.. And if you have some weird desire to prove that you know better than the fiduciary and prove that the IUL is bad or a scam - they have lots and lots and lots of training in avoiding directly answering your questions. ie: Fiduciary, wouldnt my money be better spent on a term life policy. .. Sir, if you prefer a term life policy, we do offer those as well. I was under the impression you were interested in an IUL policy and here are the benefits to that type of policy .. Oh, interesting. Ok, Fiduciary - Which one is better, term life or IUL .. Well sir, they are different products with different benefits and coverages. Here is why an IUL is better in these situations. Here is why a term policy is better in these situations. They will both give you coverage and protection - neither are bad for you - neither are a scam .. Get the gist yet? Plus, you and your fiancee have no dependents - technically - right now - neither one of you needs life insurance. Nor will you really need it until after you get married and start accumulating debts house or have dependents together. 