IF they told you that the VUL is an "investment" they can lose their license and/or go to jail. If you have any written or recorded proof, or have witnesses that prove that an "upline" or employee referred to the VUL as an "investment" report them, because terms like "investment" cannot be used by them for this product. It is against the law. It is not an investment. Good luck with bringing down these zombie-risers!
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