So, ganito, natatawa ako, naiisip ko kasi yung karamihan ng
financial adviser na nagpipilit kumuha ng investment sa mga call center agent
tapos ang ippresent, VUL as an investment.
Bakit ako natatawa? Di ko anatatwaa out of insulting someone,
natatawa ako out of frustration. I do not think you will understand why but I
think it will be better if I will explain to your what VUL is.
VUL means Variable Unit Linked or others call in Variable
Life Insurance.
It is life insurance with an investment component linked
to it.
It is a life insurance, may extra lang syang investment at
kahit may investment na nakalink sa kanya, it is inaccurate and misleading to
say that investment sya or to sell it as an investment. As a financial adviser, VUL is a really good product if
used properly, but if you will use it kasi it as an investment, it is not a
good investment strategy.
VUL is a protection tool. It will provide you different
monetary benefits if something was to happen to you like magkaron ka ng
malalang sakit o maaksidente ka. The investment option is a bonus. Why?
Often times, tumutubo naman ang investment, sometimes sakto
lang pero imposibleng hindi. The amazing thing about it is that, kung wala namang
mangyari sayo sa hinaba haba ng panahon that you are insured, alam mong
malaking parte ng perang binabayad mo babalik sayo.
Para kang kumuha ng protection for free which other kinds of
insurance does not offer.
If you are going to ask me, that is a great deal.
So there, I guess I was able to answer what VUL is.
If you have other questions, concerns or kahit ano, just send
me a message on my Facebook account and I will be more than happy to help.
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