 A friend hooked me up with a financial advisor, and I've been meeting with him. I've been doing a lot of research. He has suggested that I do an IUL, like a universal life insurance plan, to start out. And as I've researched, it seems like a lot of people are skeptical about that or I'm not sure if that's the best move. So I was wondering what your advice would be for someone in my position and if you have any experience with IULs and who they're for and if you think that might be right for me.