Why would you trust someone without a federal securities license with your investment? Also with Universal Life policies, if the insured dies prior to retirement the beneficiary will not collect the cash value nor the total contribution amount.
They'd be lucky to collect the death benefit if the event leading to peril is excluded from the policy. The insurance company will look for any and every reason not to pay out.
Are you really willing to take the risk of investing with a company that is just going to rob you and your loved ones what you've worked so hard for? I strongly encourage anyone with a Universal Life policy to think twice.
Review about: Transamerica Universal Life Insurance.
Reason of review: Bad quality.