intercst:I don't think Warren Buffett himself could give you investment advice good enough to overcome a 5% load.I'd run away from this guy as fast as you can. If you need life insurance, buy term and invest the difference in cost between term and VUL in a low-fee mutual fund.I laughed out loud at your Buffett observation! <s>And people wonder why I choose to do my OWN "due diligence" and investment decisions!? Where do these people get "certified" as "advisors"!?I have a term policy on me, just until our final mortgage payment is made, so my wife would not be stuck. Premium was locked in several years ago, too. The cost of "whole" life is so much more than term that it is shocking. I agree with all you say.Oh, and for a retired couple to be taken in by these ads on TV for "units" of (obviously, whole) life insurance, with no physical.... ye gods. Vermonter
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