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Reply to "Variable universal life insurance "
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[quote=Anonymous]Its a good product for the right person. yes, the cash value doesn't grow as quickly in the earlier years because you're paying fees/cost of insurance. At the beginning you have a higher death benefit and lower cash value. But much like a mortgage, that flips about midway through the payment schedule. so if you're paying for 10 years for example, as you get closer to that 10 year mark most of your premium payment does end up going towards your cash value for sure. and you can take penalty free loans against the policy. again though its the right policy for certain people. If you don't like the volatility of a Variable policy, look at Fixed instead. And no, I am not an agent. just know a lot about this stuff. And no, its not a scam! for christ's sake. [/quote]
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