06/09/2026
TERM vs. VUL: Don’t Just Look at the Price Tag. 👀
When comparing Term Insurance and VUL, don’t stop at the first-year premium.
Look at the bigger picture:
✅ Total premiums over the years
✅ Where your money goes
✅ Fund value & investment risk
✅ What happens at the end of the policy
✅ Your needs, budget, and time horizon
Neither is automatically “better.” The right choice depends on what you need and what you’re comfortable with.
And remember: Life insurance is about protection first. 🛡️
Whatever you choose, start with the protection.