For professional salesmen, you need to be prepared to go into the battle field. You would never leave your sword on the kitchen table before headed out to face the great Ganges Kahn and as salesmen; you would never leave your pen in your other pair of pants.
In order to know the competition you need to know what they selling. To help you remove yet another obstacle from your sales path to success, I am giving you an article that will help you communicate the risk of Universal Life and Flexible Premium products. Before I give it to you I need to once again cover my butt by saying... there is nothing inherently wrong with these types of policies. However they are wrong for certain people. Always think of your customer's needs first.
Now that that's out of the way, here is article from the Los Angeles Times. Enjoy.