A second post from ortman showed his agent's comments, some of which raise worthwhile points. One, however, I find telling: "It is true that you can invest in tax efficient funds outside of a VUL...but tax efficient cannot out-perform tax deferred." Again, it seems to me, ortman's agent has advanced an argument in support of the sale of his product without considering an objective analysis of ortman's situation. If the agent had relied on such an analysis, he would have seen the error of his statement, as ortman himself demonstrated. For ortman's purposes, an index fund beats a VUL under reasonable assumptions. Seeing for a second time that ortman's agent's recommendations are not supported by an analysis tailored to ortman's circumstance reinforces my suspicion that he may not be placing ortman's best interests before his desire to make the sale.

From what I can gather - his assumptions and mine differ. He is basing his advice on the idea that I'll always want and need to have a life insurance policy in place. I don't think this is the case.

Time will tell who was correct I suppose.

-Ortman