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I really do not think there is a right or wrong answer to the question of which method is best. Opinions will vary based on who you tak to. I personally have a VUL for me and my wife that we may tap into the cash value for college tuition for our kids. I think everyone should al least have part of their life insurance covereage in the form of a permanent policy(VUL,Whole life,UL,etc), because it is inevitable that it will be used at some point.

I would suggest that each person needs to look at all of the options and make an informed decision decision.
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