看网上好像负面的评论多，但昨天上门来讲的人真的讲的不错，老公就同意买了，但我们不准备去拉人，就纯粹投资。

昨天那人给我们看她的VUL帐户，好像是不错，两年来收益都有16％左右。

大家快帮忙看看吧。多谢了。

Just want to make sure:

1. Have you bought a house yet? If not, do you have at least 10% down payment + closing cost ready?

2. Have you maximized your 401K + Roth IRA contribution?

3. If you have kids, do you have a 529 plan or Coverdell? If not, is that because it is not good for you?

I am not saying VUL is not good for you. VUL is not necessarily a bad investment vehicle. But it is a serious investment with long term commitment. So it makes sense to think it over. Good luck!

[此贴子已经被作者于2006-1-5 15:50:37编辑过]

恕我直言, VUL不是为普通老百姓设计的, 而是针对有钱人的. 如果你的投资不多的话, 你会被它的高额fees rip off的. 我劝你没有个50-100k以上的投资就还是forget about VUL吧, 自己开个brokerage 的account, 买几个mutual fund, 每年才1%的fee, 不比这个强的多?

再不客气的说一句, 中国人圈子里推销VUL的, 只有两种人, 骗子和被骗的.

是啊，就是不想被骗啊，也是，昨天人家来讲的都是好处，不好的地方就是说要15年以后才能完全拿会自己的。冷静冷静，再冷静。

[此贴子已经被作者于2006-1-5 17:42:53编辑过]

Stay away from it if you are still student or just begin to work. Even you have had a job for a long time, think about it and study the terms carefully before you buy it. I lost my money because I didn't see the tricks and think about it carefully.

All the posters before mine are absolutely right. My own suggestion: don't buy it.

谢谢谢谢，能不能说说怎么lost your money,呵呵，有点揭伤疤的意思，但这样能使越来越多的人知道他们的真面目啊，多谢了。

I think VUL is suitable for those young and rich (every MM's dream ). For us, common sense should prevail. Take care of basic needs first: house, retirement, kids, and whatever you care. If you still have money to spare, you can spend it whichever way you want, including buying a VUL. Unfortunately, most of us don't have much left after those basics.

I am sure your insurance agent will give some arguments if you tell her to cancel. If you don't mind, can you post her arguments? I would really like to hear what they say.

打电话要求退了，松了这口气。