Aida2003...i'm the guy that is still dealing with a scenario for my parents (search for "parents burned" to see the thread.) All the fools have been huge in advising me to sprint in another direction and basically do some homework.You'll feel a lot better when you do. Yeah, sometimes it's a pain but when you go through some of the fee calculations you suddenly realize how much fees can kill you. Keep in mind that advisors are trained to sell and gain your confidence.I don't think VUL's are necessarily bad but depends on you situation. Age, income required, for how long? I'm going with a convertible low load term policy for 20 years...at which point I'll probably transer to a cash value policy depending on my health and family status. Best of luck...
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