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To: Detail-MD who wrote (23415)	11/26/1999 4:16:00 PM
From: Sonki	Read Replies (1) \| Respond to of 64865

steve. brian, jdn & all: thx for the info on insurance. additonally, Brian provided this link on sonki's link list. forbes.com i will decide by Monday. Done w. e-shopping and off to the gym i go so i can outlive my beneficiaries. any more hints and links u can on insurance, you can put on this thread... btw: this thread has lots of articles on roth, taxes and other misc reading. use the search button to find info. Message 12115062

To: Detail-MD who wrote (23415)	11/26/1999 9:28:00 PM
From: silInv	Read Replies (3) \| Respond to of 64865

OT, OT Sonki. JG, Steve, I must admit that I am not sure what I am doing about this. The agent told me that the VUL has 2 plans. One allows you to do as that Steve says so you get the cash value when you die. The other does offer the cash value plus the policy value when you die. Since I am not insurance agent nor WAS an insurance agent, I want to find out more before doing anything about it. Term cost a lot more than VUL (I mean the part to cover the actual insurance) as what the agent explained to me. I don't know if this is true. I know they all want to get my money so they will disclose as little as they can (I am talking to 2 agents at the same time). One of the agent says the other's plan cost too much in the term part compare to hers. Based on the info I got, the difference is too much so I have my reservation on the number. Don't know where I can find the info for it. I don't know what Sonki can get for term. It should cost more year after year. If you can get at fix cost throughout your life, there must a catch (IMHO). silinv

To: Detail-MD who wrote (23415)	11/28/1999 8:42:00 AM
From: nihil	Respond to of 64865

OT -- insurance swindles. I think term insurance is just wonderful for young people, but I relied on it and fortunately didn't die -- and I had put a $100,000 in term insurance and had nothing to show for it except $7 of paid up insurance that had slipped through the companies' fingers some how. At that point (seven years ago) my agent found me a variable universal policy that I was able to put a deposit of 10% of the face value of the policy (from cashing out some small whole life policy, but it could have been cash). I invested in index funds. Since then, I have not had to make any other deposits and have excess cash value. No doubt if I had started 50 years ago (universal life did not exist) I would have something else today, but the bull market is a substitute for brains. Among all the insurance crooks who bother you so much there are good deals to be had.