NewYork Life also sell the VUL product. It is a trap.

No matter what company offer VUL, it is a trap.

I went to one of the VUL sales presentation. According to the salesman, I need to pay $6000/year for 5 years, then I can see a CHANCE (it is just a chance!) to stop paying. But I don't see a chance to get the money out until I die.

All I saw were a couple people looking for suggestion how to get out of the VUL, not how to buy VUL. What a joke to the saleman!