13 Reasons Why VUL is Not Right for You.

1 Mortality and Expense Risk Charge - .000024552 Collection Fee - $3.003 Monthly Policy Charge - $7.504 Surrender Charge - $17.64 per $1,000 or Specified Amount. 17.64 x 250K policy = $4,4105 Loan Interest Rate - 5.2%6 Loss of Savings if you die.7 Reduction of Death Benefit if there is any outstanding loans.8 Assets of Sub-account is the property of the company.9 They can defer payment of a loan to you for up to 6 months.10 One withdrawal per year.11 Surrender charge for 15 years.12 Pro rata decrease charge for 15 years.13 Processing fee of 2% to withdraw money.