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Here is a summary of option position vs delta sign: Following hurricane Matthew's failure to devastate Florida, activists flock to the Sunshine State and destroy Trump signs manually ~~~~~”Why I call WFG’s pyramid is evil because it sucks the new joiners soul in their company and tell them with lies, for example they will tell you that you’re your own boss but the truth you’re not because you have to follow their rule 5-5-10, 10-10-20, and 20-20-50 system. They used you for their warm market for their own benefit. Let ask yourself if you don’t find any customer you don’t make any money, so do they. So they rely on you to make money for themselves. The other store out there, they don’t care if you can sell an egg or a tomato you still get pay at the end of your day.” History 8888- you mentioned above about a 7% return while the same mutual fund averages 12% per Kiplingers numbers. Can you provide this information as I definitely want to stay clear of this particular product. I went over the ffiul product some time ago and broke down fees and averages on this blog site and it is no where near the 5% split difference. I know you mentioned that the number one product being pushed by WFG agents is vul. Honestly speaking unless I am absolutely crazy a vul product has to be sold by someone who has a securities license which as many as you have posted that most WFG agents are completely incompetent and couldn’t pass such an exam so a vul policy while similar is definitely different in many ways from a fixed index product which is sold often by WFG agents. So in all fairness I don’t believe a number of statements related to vul products being a common product sold by WFG agents to be a valid declaration. I can go over the differences of the two types of products but their contrasting features are stark and many more clients wouldn’t fit into a vul mold or classification. I have also previously discussed average return rates of the ffiul product so we could discuss fees,premiums,costs etc and make an informed and educated decision on an actual product.