I'm in my 20's, so I'm looking more towards a cash value accum. I happen to work for New York Life, a former co-worker of mine works for an agency that sells Fidelity and Life Guarantee IUL and wants to sell me the product, claiming to have better returns. I pretty much understand the basic way it works. I feel like it probably wont be good as an insurance for the end game, but if it has decent cash value, I'll consider it. The only thing I'm worried about is that it's headquarter is based in London, and IUL is a fairly new thing. I'm not going to be a big risk taker. Any suggestions?