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You forgot about NMO, MGA, MS, MA, MAPD, PDP, OEP, AEP, SEP, BTITD and MOFO.All you insurance agents constantly use insurance acronyms that a lot of us struggle to follow. IUL, GLIR, PLDP, PUAR, FE. Now we have STFU. Is this an IUL specific rider or available on WL, UL, GUL, IUL, SI, GI, FE. Do I need an IMO or FMO to STFU or contract directly for STFU