Hello,
Pa advice unta ko ninyu about going for VUL or BTID. Actually, I have VUL with Pru Life for 11 months na. However, sa akong research about personal finance, na find out nako na murag mas better approach kung mag buy term, invest the difference (BTID) lang. I want to stop my VUL which covers only me, bahala ug ma TY nalang to akong mga na contribute na, to go for term life to cover my partner and I and then invest the difference sa mutual fund. (Eventually, we're thinking of venturing into stocks investment). Siguro kung daghan pa kaau mi ug extra funds kay ok ra dunganon ni tanan pero limited man unya kelangan i prioritize labi na kung naay batang gamay.
What do you guys think? Ug unsa kaha ang best term life insurance, preferably from Sun Life, Pru Life or Insular Life?
Thank you. And please, no sales talk, kay nabuhong nako ana. hehehehe. DAGHANG SALAMAT PAGUSAB.