One of three companies to ever increase fees on their Universal Life policies. This is the biggest red flag that exists.

Ongoing "Index Account Monthly Charges" that are deducted until age 121. One of the most expensive charges in the entire industry.

Fixed Loans only.

"The maximum loan interest rate on an outstanding loan balance is 3.00% with a maximum preferred rate of 2.25%,
charged in arrears. The preferred interest rate is charged on amounts in excess of premiums paid, less withdrawals
and outstanding loans including interest. Preferred rates are available after the tenth policy year."

Once you take a loan you stop earning interest on that money. 

The lack of other options here makes them one of the worst carriers from a loan provision standpoint.

WFG is one of their biggest (if not the biggest) distributors.

My experience with WFG reps is that, on average they are some of the most uneducated in the entire industry.

It's not that every WFG rep is bad, I've just yet to see a good one (out of hundreds).