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In this review it seems misleading as the COI is shown as increasing every year but actually the premium and the COI does not change when locked at some age say taken at 35 years. This plan obviously is not good for person with health issues and age 65 or above as COI obviously will be high.

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Guest

Here is the problem...an WFG AGENT is posting LIES or doesn't know what he's talking about..i don't know which is worst?? Even thow you pay 400$/month from age 20 or from age 35 might not seem like there's an increase but it will eat up your cash value until it's depleated and then when you hit 75 years old you're going to have a wake up call saying you need to put 15k a year in it if you don't want to lose the policy!

As I have asked now for the 7th time I will buy a FFIUL if YOU guarantee that I will not lose it when I hit 90 because I guess you guarantee a fix rate and if it sky rockets YOU will pay the difference..as usual nobody wants to sell them with these conditions but will bragg about it endlessly as a good policy for the people they supposedly care about?? Care to make me a guarantee that you will pay the difference??

Leshaun Scu

WRONG! Read your contract.

Your COI charges change every year, usually go up and skyrocket every year as you age into your late life. These will likely bust you out of your FFIUL if you live a reasonably long life, causing you to LOSE EVERYTHING, your death benefit and the $100,000s you dumped into the fatally flawed policy Read your contract and call Transamerica's Inforce Policy Services at 800-PYRAMID (797-****). Please take that Inforce Policy repโ€™s advice as the final word on the matter.

Definitely do NOT take your WFG agentโ€™s word for that--or for anything at all! Your WFG agent has a strong vested interest for you to stay in your policy.

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