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	<title>New answer on: Why Variable Universal Life Insurance?</title>

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		<title>By: Scott Paciocco</title>

		<link>http://insurancelibrary.com/life-insurance/why-variable-universal-life-insurance</link>

		<dc:creator>Scott Paciocco</dc:creator>

		<pubDate>Tue, 12 Nov 2013 20:07:48 +0000</pubDate>

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		<description><![CDATA[Variable Life is tricky.  If properly funded it can be a tool that offers cash value growth based on market upside, but also death benefit protection should you prematurely pass away.  

Often times, reps suggest variable contracts due to the &#039;sexiness&#039; of the market, and recommend premium levels that do not support the product correctly.  If variable life is not funded correctly it can be a disaster waiting to happen.  If the premium is substantial enough to support the cost of coverage and left over monies are allocated appropriately, in can be a unigue tool in the planning process.

Do not fall victim to illustrations run at 8% and 10% returns with mimimal funding.  It will not be a realistic view of how the policy will work.  Understand the pros/cons - which every product will have - and most importantly determine what the coverage is really for and what you are trying to accompish.  In the end, it is life insurance NOT an investment.  

~SAP

SAP]]></description>

		

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