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Greetings, Smadan, and welcome. You asked:

<<How do Variable Annunites compare with Universal Life Term Insurances (ULTI)say in terms of choice of funds to invest? penalty free withdrawls before 59.5?>>

For a Foolish perspective and an explanation of variable annuities, see post number 11725 on this board at http://boards.fool.com/registered/Message.asp?id=1040013002967001&sort=postdate. For a good overview of universal life polices, see the insurance area on Quicken's website at
http://www.insuremarket.com/tools/basics/lifebasics.htm.

Regards..Pixy
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