<prompt> Human: Bit of background about me: Im 30, not married, no dependents. So I really have no need for the life insurance part of Indexed Universal Life insurance.Given that, the other advantages of IUL I see is the tax advantages and the guarantee that you will earn at least 0.75 interest even if the market goes down and I believe my IUL policy would cap at 15 gain per year.However Im concerned about how the minmax s of IUL can vary over time, how the premiums can increase, and the fact that IUL has only been around for 15? years. Ill most likely opt to front-load all the premium costs in the first 5 years.Has anyone had any experiences with IULs? I also invest in Vanguard target retirement funds. Would it be a good idea to diversify some of my money in IULs, or are they just a way for insurance agents to make commissions off my money?  <response>: Unless you have millions and millions in investments it was predatory for your financial advisor to even bring it up. I would leave them and not look back. 