Comments on: Universal Life Holes

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By: Term Vs Whole Life Insurance Response

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By: The Katana: Randy Pausch and Basketballs 12/21 | Finance Blog

The Katana: Randy Pausch and Basketballs 12/21 | Finance Blog — Wed, 06 Jan 2010 09:54:17 +0000

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By: The Katana: Randy Pausch and Basketballs 12/21 | Finance Blog

The Katana: Randy Pausch and Basketballs 12/21 | Finance Blog — Wed, 06 Jan 2010 09:54:17 +0000

[...] “Universal Life Insurance Holes” by Evolution of Wealth gives a fantastic analogy of a much maligned type of life insurance policy. [...]

By: Evan

Evan — Tue, 22 Dec 2009 04:53:48 +0000

I am Director of Financial Planning for a financial planning firm – so I don’t focus on anything in particular. I am in house aid to about 40 planners. So I have to adapt to whatever that particular planner does, i.e. estate planning, business planning, straight term sales, or a mixture of those and more.
.-= Evan´s last blog ..A Review of My Actual Prosper Account =-.

By: Evolution Of Wealth

Evolution Of Wealth — Tue, 22 Dec 2009 04:04:23 +0000

@Evan
That is pretty interesting. I actually use to work for a company that claimed to be a mutual company and the product they wanted sold was VUL. I’m going to have to put up a post on the guaranteed UL. I’m just really not a fan except for some very specific circumstances. What do you focus on in your financial business?

By: Evan

Evan — Mon, 21 Dec 2009 05:13:51 +0000

It may be because of where I work, but I have never seen anyone sell anything except a guaranteed UL, but I have only been in the business for 2 years and have been told that they are a *relatively* new product .-= Evan´s last blog ..Advanced Charitable Giving using Life Insurance =-.

By: Evolution Of Wealth

Evolution Of Wealth — Mon, 21 Dec 2009 01:50:57 +0000

Thank you for the comment. I like that you brought up guaranteed UL. For the post I didn’t mention it on purpose as to try to keep things simple. Under most situations I have seen and designed whole life policies that provide the same benefits of a guaranteed UL with a lot more flexibility. What most people don’t realize is that a guaranteed UL gives up all the flexibility that ULs are known for.

By: Evan

Evan — Sun, 20 Dec 2009 22:36:19 +0000

While a guaranteed UL has some great uses, I find that the cost as compared to whole life insurance is such that why not use WL, with all its options .-= Evan´s last blog ..I Don’t Think I Get PF Blogging =-.