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Author: TTRoberts Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76398  
Subject: Re: VUL-Giant Roth Date: 10/29/1999 2:32 AM
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Igd,

ReliaStar is a good company and as with so many companies these days with mergers and acquisitions, it's hard to follow just what's going on with them all. Security Connecticut, well know for their term policies, is now ReliaStar. If one really wants to check out the company, one needs to go to the reference section of the library and look them up in the A M Best for Life Insurance book.

The VUL (Variable Universal Life) contract that ReliaStar is selling is quite new for them. But that doesn't mean it a questionable product. In fact, it's a pretty good one . . . . .though there are others one might consider much better depending on particular features that one may put more importance on.

Note that VUL's are very complex policies and are best suited to the more financially sophisticated. VUL's are great products and can be a great addition as PART of one's life insurance portfolio as well as PART of one's retirement program, but they are NOT for everyone . . . in fact, there NOT for most people. Most financial advisor don't understand them well nor do most life insurance agents.
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