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Technology Stocks : All About Sun Microsystems

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To: JDN who wrote (23087)	11/17/1999 8:38:00 PM
From: silInv	Read Replies (2) of 64865

OTOTOT (term life vs VUL) >>>>>IF you are going to buy life insurance AT ALL term is the way to go. Have you heard about VUL which allows you to invest your money while taking advantage of the term benefit? I have recently trying to understand this more since there are 2 agents trying to sell me this. Does anybody have any opinion on VUL vs term life? My understanding is you pay money more than term life but the portion which covers the term life plus some percentage (5.5% to 8%) of your new money will be used to pay the fees and some kind of tax. There is also small amount of administration fee ($20+) per month. The rest will be used to invest in mutual fund(s). If you die, your beneficiary get all the insured amount plus the cash value or you take the money out at later stage. It is quite complicated to me and I just wonder if anyone have experience with this. TIA

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