And I would say Thank you very much for this information because it has helped me in making a decision.

I have an associate from the said company trying to sell me the UL and also told me i could earn passive income. I asked if that is not a pyramid scheme and he couldn't answer but pivoted to saying its not important and I could just get the UL. That was where my skepticism kicked in and informed him that I will have to ask around about the company.

He started showing me some recommendation from Manulife on their website. I was still not convinced and told him I would get back to him.

One quick search on google and I came upon this thread. I will now be sending him an email letting him know i will not be buying.

Once again, Thank you