<prompt> Human: I know 99.9 of you suggest to run far, far away from universal life insurance. My mom is a new, inexperienced WFG agent and has been trying to sell me an indexed universal life insurance plan with Transamerica.Im 21, M, no dependents, and dont think this product is for me. What are good questions to ask my mom, in order to really PROVE this product is not for me?EDIT: at this point, shes already brainwashed into believing WFG is a great company, with great people, who does great things. She just deflects every single criticism Ive heard of the organization. Feels like a fucking cult to the extreme. I would appreciate any tips to get her back from this hole shes been sucked into. Assistant: Why do I need life insurance?How is this better than getting a term policy and investing the difference in an index fund? Or since you dont need life insurance, investing 100 of the premium cost in an index fund.Human: Her reply would be around the tax advantages of investing in a policy, which I think is a pro of insurance. But this doesnt outweigh the cons.Assistant: tax advantages of investing in a policyWhat tax advantages? Seems like a vague bullshit answer.Human: From a source: With an IUL, there are no taxes due during the accumulation phase when the policys cash value builds up. When your client retires, they can take tax-free distributions of the cash value.  <response>: Have you maxed out your 401k 18k per year and Roth IRA 5.5k per year?If not, youre choosing an expensive method of tax advantaging over cheaper methods 401kIRA. 