Give Insight and foresight in relation into the hindsight.

VUL INVESTMENT

Hindsight

VUL Investment give courage to invest It is a unique universal life insurance plan that enables some of the accumulated cash value to be invested. According to Ma'am Joy there will be a beneficial on this investment not only for the self-support but also any member of the family its up to the person.

We realize that there will be a possibility that the company will let design where investing aspect you will be join and invest. However, it is nice to know that you will be the one who will choose when did you will be paid by the company. As Ma'am Joy she chosen the semi-annual time of payment on to her investment.

And VUL investment give you a choice what mode of payment they give to you, it should be annual, semiannual, quarterly, or monthly. Advantage of paying semiannual is better than monthly because sometimes there some emergencies and its secured and it consider in timing.

The return is having a 7% investor can earn per annum of the VUL, based on the performance of the company. However, it fluctuated per year and also depends on the situation in a company. You have also a choice if you want that dividend to be deducted from the premiums that you are paying periodically.

A hindsight about Sir. Rodel, he concludes about some important of VUL investment. When starting this investment needed research on the company. In addition, choosing monthly more convenient to him. However sir Rodel, thought he pays 5% monthly. And this investment will help in life in terms of accidents, and it will help you in bills in times if there's an accident and so on.

UITF investment not a saving amount according to sir. Kevin Rivera and he told that he pays 1% per month or 12% in a year. In shorter version of the illustration, UITFs has a big different with VULs, in mode of payment actually.

According to sir. Mark the premium risen and it cause of time value of money inn investment. And this is not only for life insurance portion but also in investment portion. And in investing he quoted that "you only invest money which you can afford to lose". Good thing about getting VUL is that the investment portion on the life insurance there are fund manager for these things. One thing also in VUL it gives you access to liquid funds. An in addition in his case the company have to prepay' payments for the VUL and for the insurance are prepaid for 3 months in his case. About the risk assessment, he have to be a risk averse because he can invest money that he can afford to lose.

Insight:

Foresight: