Which of the following is NOT a disadvantage to owning an Indexed Universal Life product?...

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Accounting

Which of the following is NOT a disadvantage to owning an Indexed Universal Life product?
Insurance companies may change crediting formulas over time
Illustrations of these products can be unreliable over the long-term
Lapse of an IUL policy with loans may cause adverse tax consequences
Distribution's are treated similar to distributions from annuities
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