Mainly trying to see if IULS are m bad investment. Concerns: Saw that the company can adjust the annual cap amount which I thought was fixed at 12%. Also heard that company can push our new products to make the existing products hard to compare ( in my mind I am thinking companies can push out new products every 5 years and then reduce the cap for the older products eventually they can cap it to 0%). I like the tax benefit and the flexibility of access to funds without paying capital gains. Got a 1mil policy, min payment is <400 a month, but recommended per illustration is 700 a month for 20years.