None of us rely on their income. It's entirely them that want to leave a little more than their savings after they pass. But want it guaranteed as opposed to a 30-year Term.

They've never been taught basic investing so they're risk-averse in losing money from stocks that's why they like the IUL pitch. And I find it difficult to change their minds this late in their life about it. I just hope it won't hurt their current lifestyle.