长期的，肯定划算，

只要保险公司不倒。

我个人比较喜欢ｖｕｌ．

As I know, VUL is more for rich people trying to reduce tax, it may not be the best choice for most people (say, you only contribute a few hundreds each money). The money you contribute, minus various fees, is the amount you can put on stock or MF.

As I know, VUL is more for rich people trying to reduce tax, it may not be the best choice for most people (say, you only contribute a few hundreds each money). The money you contribute, minus various fees, is the amount you can put on stock or MF.

ｗｈｏｌｅ　ｌｉｆｅ也是一样啊，只是他的钱是fixed income, guarantee 的。VUL 不是。 我买vul好几年乐，觉得还不错。不过我不是有钱人。呵呵。