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Subject:  Re: VUL Date:  3/1/2005  3:27 PM
Author:  investinginstuff Number:  44938 of 99387

" if I am planning for estate purposes, presumably a VUL makes more sense given that I can pass significant wealth down tax-free to the next generation? That's gotta be the reason, I assume?"

I think that depends on each person's individual needs. If you have all your networth tied up in illiquid assets, then your beneficiaries might need an insurance policy to help pay the estate taxes. But, keep in mind that this comes with a significant cost for the insurance policy. For many people, it might make better sense to simply have some liquid assets available to pay the estate tax with.

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