What I Learned About VULs (Variable Universal Life Insurance)

What I Learned About VULs (Variable Universal Life Insurance)

VULs, or Variable Universal Life insurance plans, are one of the most widely marketed financial products in the Philippines. You’ve probably heard about them through friends, family, or a financial advisor offering life insurance with an investment component. At first glance, they sound ideal: life insurance and investing in one plan. But if you go … Read more

Why I Cashed Out My VULs and What I’m Doing Instead

It took me a long time to write about this. VULs (Variable Unit-Linked insurance plans) are a controversial topic, and I’ve spent more time than I’d like to admit reading through Reddit rabbit holes and finance threads. A lot of people have VULs, and many are wondering why their “investments” aren’t really growing. If you’re … Read more