...I'm absolutely sold on owning an IUL, but I'm still trying to figure out which carrier I'm going with--both to own, and probably to sell. Aviva's product (Lifetime Builder III) is the only one I've looked at so far. 100% participation, 2% guarantee with a variety of crediting strategies, either with a 4% monthly cap or a 12.25 yearly cap or a 30 percent cap over 2 years. What other IUL products, in your opinion should I check into and why? ING? LSW? Lincoln? Union Central? North American? Allianz?