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The One and Only Time You Will Need VUL Insurance

As someone who has no skin in the insurance game, whether life or non-life insurance , take it from me that there's a 99% chance that you won't need variable universal life (VUL) insurance or the life insurance-investment combo. Or don't listen to me, whatever floats your boat. I'm not gonna earn from this either way. This is pure public service at its rawest.  If you've been approached by a "financial adviser" a.k.a. insurance agent, then you've probably been regaled with the wonder product that is the VUL insurance. Most insurance agents present VUL insurance as an investment, retirement planning tool, education plan and the solution to all of life's many pressing problems. I am not exaggerating. It's fascinating listening to insurance agents pitch VUL insurance because with the way they heap praises on it, you'd think it was a wonder drug that can easily cure the pandemic and cancer, while also securing your financial future. When an in

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