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Brown Cafe UPS Forum
UPS Retirement Topics
Retirement tip
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<blockquote data-quote="beatupbrown" data-source="post: 254043" data-attributes="member: 4488"><p>The variable universal life policy (VUL) is the latest version of a cash-value life insurance plan. It’s a mutual fund snuggled next to an annual renewable term life policy (ART). ARTs go up every year based on your age, which means it is one of the most expensive ways to buy term insurance. </p><p></p><p>When you’re paying for both a mutual fund and the ART at the same time your insurance is too expensive and the money that’s supposed to go to your investment goes through the insurance company first. This means you’re paying tons of unnecessary fees.</p><p></p><p>It’s an expensive, high-fee way to invest. Just buy the mutual fund instead.</p></blockquote><p></p>
[QUOTE="beatupbrown, post: 254043, member: 4488"] The variable universal life policy (VUL) is the latest version of a cash-value life insurance plan. It’s a mutual fund snuggled next to an annual renewable term life policy (ART). ARTs go up every year based on your age, which means it is one of the most expensive ways to buy term insurance. When you’re paying for both a mutual fund and the ART at the same time your insurance is too expensive and the money that’s supposed to go to your investment goes through the insurance company first. This means you’re paying tons of unnecessary fees. It’s an expensive, high-fee way to invest. Just buy the mutual fund instead. [/QUOTE]
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