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You raise some valid and important points about universal life insurance (UL), and the persistent myths and misconceptions surrounding this type of product. There’s a lot of misinformation out there, often propagated by fear-based marketing or poorly executed policies, but as you’ve demonstrated with actual case studies and data, UL products, especially Indexed Universal Life…

This is a great piece of writing and touches on some key financial concepts that a lot of people overlook. However, the content can be improved by tightening the message, adding clarity, and ensuring that the hypothetical scenario is easy to follow. Here’s a revised and updated version with some adjustments to the flow and…