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Time Value of Money: How to Determine the Value of Money with Respect to Time

Money received today is more valuable than the same amount of money a year from now. It is essential to understand the relation between mone...

INSURANCE: VUL or Buy Term Invest Difference

Life insurance secures your family's finances in the event of your untimely demise. Insurance companies offer a wide array of products to cater your every need. Clients who prefer a Life insurance that with a cash value are usually presented with a Variable Universal Life Insurance proposal. A VUL is basically a Life Insurance and Mutual Fund packaged into one.

So how does VUL differ from buying each product separately? ( Buying Term and Investing the Difference ) Both methods have similar goals but have different end results. In order to understand the advantages and disadvantages of both methods, we shall examine how each method allocate funds for insurance and investment.