主题：【注意】【文摘】芝加哥的朋友都注意了！硅谷老鼠会WFG来到俺们芝加哥 -- 李根

没事google了一把VUL，看到这个回帖：真是专业人士，滴水不漏。我也申明，本人对VUL和WFG没有体会和经验，暂时对其抱着绝对中立的态度，转贴本文纯粹是为了与网友分享原作者的英文写作技巧，文中观点和论证与本人无关。

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Dr. Bui,

Your note was directed to my attention in the belief that I might be of service in answering your question regarding WMA/VUL. I am happy to do so.

First and foremost, you are correct in your suspicion of WMA and any of their products or services. As an organization, they have a deserved negative reputation. Any company that believes in a "one size fits all" answer to every investment question should raise a "red flag" in any intelligent persons mind.

WMA is a Multi Level Marketing company that happens to use Variable Universal Life Insurance as their product. While I have no issue with a company using multi level marketing as form of distribution, I take great exception to the product form they have selected as their premier product. There are any number of superior VUL products in the marketplace, the least of which would be preferred to WMA's VUL.

With that said...let's look at your specific curcumstances. First of all...I am not sure where you live and I am licensed only in the state of TX. Therefore anything I mention to you here is for educational purposes only. I do not anticipate your acting on my "advice" without seeking the second opinion of another qualified financial services professional. As a matter of fact, that is actually where you should begin.

As far as life insurance is concerned...seek out the services of a life insurance professional who is minimally a Chartered Life Underwriter. (CLU) Insurance professionals holding that designation will be more than adequately educated and capable of advising you properly regarding how much and what kind of insurance you need for your family. As a minimum rule of thumb, 8-10 times your annual income is a basis for discussion. In addition, if your wife is a working wife, do not forget to insure her income generation also.

As fas as investments are concerned, VUL is NOT only a life insurance product. However, it is rarely the first choice as an investment for those already adequately insured. I DO NOT recommend the purchase of a VUL product if the primary reason is as an investment vehicle.

If you have adequate life insurance, which I seriously doubt, if all you have is group term through your employer, I would recommend you consider moving your $500 monthly savings for your children into mutual funds. On the other hand, if you only have group term, you need to seriously consider upgrading your life insurance first. Whatever you might save in the interim would be menaningless if your children lost their father any time soon.

Again...not knowing you personally and knowing your family circumstances, I am hesitant to comment much further. As I tell my clients frequently, "Advising you on financial matters before giving you a thorough financial checkup would be just as much malpractice as a doctor giving you medical advice without a complete physical checkup." I am sure you can appreciate that.

For your personal financial well being, contact your local chapter of the Society of Financial Services Professionals. They can refer you to a CLU in your area. You might also consider a CLU, like me, who is a Certified Financial Planner who specializes in insurance.

If I can be of further service please let me know.

GOD Bless you and your family and much success to you in your career. Having successfully gone through an EGD this past week I hold your profession in high esteem.

Kevin Michael Lynch

MBA, CFP, CLU, ChFC

The foregoing is not legal advice and may not be relied upon as such.

No Advisor-Client relationship has been established.