Our sweet elderly neighbor & friend wants to leave a legacy (my definition) inheritance to her infant GGGson. Her trusted FA is recommending a prepaid ($10k) IUL policy from Minn Insurance Co. She did show me the policy & asked what I thought. I've no knowledge in this area, but did opinion this is likely an expensive vehicle. That's not really a concern for her, and this does maybe meet her goal. Any alternatives that might accomplish the same goal?