<prompt> Human: So theres a trusted financial planner that my wife and her family have been using for years. Im heading over to his office tomorrow to set up a Roth IRA for myself. While Im there, Im also meeting to hear about another potential retirement option - indexed universal life insurance.I know, I know. Its not a good fit for the vast majority of people. Ive gone through so many posts trying to learn why its almost universally disliked but I still need help.If you were sitting down with a financial advisor in regards to a indexed universal life insurance plan, what would be a question you would ask to A see if the plan was a worthwhile investment for you or B a question to point out any flaws or shortcomings in the plan?  <response>: Why not just hop on vanguard.com and open an IRA, hes gonna push universal life like Cracker Jacks at a baseball game.If you want an advisor get a fiduciary. 