UVL 也不是一点好处也没有吧。

来源: 于 2013-10-03 10:21:13 [旧帖] [给我悄悄话] 本文已被阅读：次

几年前被同事推荐买了VUL， 大家给看看是不是被忽悠了。

  • 400K death benefit.
  • monthly put in $750 (can change if I choose).
  • out of $750, $73 is management fee and premium.
  • remaining $677 go to a separate investment account. 
Key benefits:
  • 400K death benefit guaranteed, even you die at age of 99.
  • gains in investment account Tax Free.
  • If got sued, the money in this investment account is non-teachable by greedy lawyers. 

     
Is it  a bad deal ?