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To: silInv who wrote (23109)11/18/1999 8:41:00 AM
From: JDN  Respond to of 64865
 
Dear silInv: No I havent kept up with new products but IMHO any insurance other than Term is only good if you do not have the strength of resolve to save on you own. No matter how you package it the fees and expenses are sure to be greater than either putting directly into a mutual fund on your own or cheaper yet investing on your own. Plus, at least in the past Insurance companies are notorious for their poor investment returns. JDN



To: silInv who wrote (23109)11/18/1999 9:45:00 AM
From: JavaGuy  Read Replies (2) | Respond to of 64865
 
OT: Insurance

I mentioned earlier that I got a VUL policy, (and short terms for real "insurance"), as a means to pay for my child's education. As insurance, a VUL is expensive. But you do gain cash value, that you can withdraw tax free at a latter date, and never pay back.
And this money is not taken into consideration for education grants, loans, etc.
There may me estate planning reasons for a VUL, but that aint my dept...

JG


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