Posts tagged ‘VUL’

Life Insurance: Should I Cancel my VUL and Switch to BTID?

Updated: November 7, 2019 | Personal Finance | 20 Comments

A lot of people who don’t know much about investments are often convinced by life insurance agents to buy VUL or Variable Unit-Linked Insurance, or also known as Variable Universal Life insurance. The marketing pitch is great. When you get a VUL, you get a 2-in-1 product – life insurance and investment. And in today’s […]

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Reader Mail #34: Investing in UITF vs VUL

Updated: December 5, 2017 | Investing, Personal Finance, Reader Mail | 5 Comments

Today, I’m sharing with you an email that I recently received. The sender is asking which is the better investment, UITF or VUL. Several people have also been asking me similar questions, that’s why I decided to answer it here today for everyone. But first, let’s read the letter of Mrs. M below: Hi Fitz. […]

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BTID vs VUL and How I See Financial Planning With Respect to Life Insurance

Updated: November 24, 2017 | Personal Finance | 18 Comments

Buy Term, Invest the Difference (BTID) versus getting a Variable Unit-Linked (VUL) life insurance is always a divisive topic, even among us Registered Financial Planners. There have been many attempts to compare them based on actual figures and both sides can always come up with results that favor their stand. However, I believe that protection […]

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My Reasons Why You Should NOT Get A VUL or Whole Life Insurance

Updated: November 24, 2017 | Personal Finance | 104 Comments

In my previous Reader Mail post, I posted and answered the question: “Is insurance an investment?“ I said that it is not an investment, but just a form of protection. I also said that getting term-life insurance and short-term health insurance is important. In fact, you should have them before you even think of investing. […]

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Reader Mail #22: OFW Personal Finance and Investing Questions

Published: March 4, 2013 | Investing, Personal Finance, Reader Mail | 3 Comments

Last week, I conducted a personal finance webinar with mostly OFW’s as my audience. The whole talk, including the question and answer portion, lasted for about an hour and a half. If you wish to watch the recording, you can view it HERE, you just have to register your name and email address. On a […]

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