Aida (cool name BTW!),Do not take the recommendations of the Fools on face value (I happen to agree with them, BTW). Educate yourself. Create an Excel spreadsheet, and run the VUL versus Term scenarios (same for load vs. no-load funds). That's the only way you will appreciate the difference, which will in turn motivate you to invest more time in educating yourself about these matters.Thanks,-dr.nonlinear-
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