Posts Tagged ‘Variable Universal Life Insurance’

Universal Life Insurance | How is Universal Life Insurance Beneficiary Over Other Life Insurance Policies?

If you are the only member earning in your family then you not only have to take care of your present but you also have to plan for your future as well. Life is unpredictable and you cannot take chances with it. And you can take care of your future with the help of a life insurance policy. Many of us must have heard about life insurance, there are many life insurance policies available in the market. These are term life insurance, whole life insurance and so on. But one life insurance that is gaining popularity is Universal life insurance… Continue reading

What Are The Best Vul And Eiul?

What’s The Lowdown On Variable Universal Life Insurance?

If permanent insurance with flexible premiums and options is
important to you, you’ll want to choose a variable universal
life insurance policy. This type of policy combines features of
universal life insurance with investment options, so you have
the potential for a larger death settlement than you would have
with an ordinary policy. It is called a variable universal life
insurance, because your investments and premiums are not fixed.
They are variable because they depend on the current market
conditions. Variable universal life insurance has advantages over other life
insurance policies, such as Globe Life Insurance or whole life
insurance. With this type of life insurance you get to play… Continue reading

Should I Invest In A Roth Ira Or Variable Universal Life Insurance Policy?

I have a 401k/ Not married, no children, but my advisor says it is wise to invest in a variable universal life policy while I am young (the premiums are lower) so it builds cash value to aid in retirement plus I will have the death benefit for later on when I am married and have kids. Susie Orman thinks this is a bad idea and that 401ks and Roth IRAs are the way to go. Other people think differently. I am confused on what to do and wonder if people who have actually signed up for a Variable Universal… Continue reading

Should We Switch Our Variable Universal Life Insurance Policy To A Guaranteed Universal Life Policy?

My husband and I each have variable univeral policies...our agent is suggesting we change over to guaranteed universal policies - we will save a few hundred dollars a year and add 100k onto the benefit. My husbands policy was bought in 1999, mine in 2001. We were not using the existing policies as an investment. Does it make sense to change now? (we are in our early 40's) The agent suggested that in the future insurance costs may rise, and we may not be able to afford the current policy- but the new policy rates are

Read more...

Is My Variable Universal Life Policy Worth The Expense?

I have a variable universal life policy with a step down death benefit. I have contributed over $4,000 this year and have lost over $5,000 from the horrible market conditions. What should I do with it?? It is 30 months old and I am in my mid 30's

Read more...

What Is A Vul Or Eiul And Why Are They The Best Retirement/insurance/tax Advantaged Hybrid?