Buying a Universal Life insurance policy as an investment is a sales pitch that can sound compelling. To make this sales strategy harder to resist, insurers employ the use of illustrations which are supplied to agents and brokers as sales tools. These illustrations have become an exercise in deception, showing cash values that have nothing to do with reality. For the first time, this scam is exposed for what it is. If you have bought or are considering buying a Universal Life insurance policy, you need to read this book.