I was sent a link to a video presentation on the tax advantages of a non qualified IUL income alternative to qualified plans. As you know, we sell a significant amount of IUL premium for supplemental retirement income. So I'm a huge fan of IUL for tax advantaged income, especially of NACOLAH. What I'm not a fan of is the swiss cheese promo presentation fraught with misstatements and unaddressed items that devalue life insurance and give us all a bad name. Here are justa few: You have to declare that this is life insurance and not wait well into the presentation and/or bury it all together. You can't compare a employer matching qualified plan to a non qualified IUL and make sweeping statements that IUL is superior net of all taxes. You can't say that an IUL in a down marketing will never lose money when in fact during the S&P downturn of 2001-2003, IUL policies lost money on the policy expense charges that ranged from 200-300 basis points. That's a compounded loss of 2-3% each year. Just trying to keep it real.