When is VUL a better option?
Answers: In my opinion, never. I strongly believe life insurance, including Variable Universal Life, is a terrible way of accumulating money. The inside returns on the policy are just too low to compete with all of the other investment options available. I always advise to purchase term insurance to cover the risk of a premature death. The balance that you might otherwise commit to a VUL will give you much better returns by investing it yourself. Remember too that the agent selling you the policy gets a high percentage of your first year premium as commission. This only reduces the amount of money working for you to accumulate savings. Good luck.
Only when the owner of the policy is comfortable handling a conservative asset in a very aggressive way AND they understand the additional risk that the insurance company may pose to their cash value. Even then, the owner should approach this plan with caution.
If at hand is a brekdown contained by a secrurity system, are they liable for robberies?
My famil bar be robbed, but at the same time the company be having a exchange cards problems ansd was unab le to contact the police. In this situation, is the alarm company liable for the stolen bread or is the owner.Answers: No, the security system isn't liable for someone else's criminal stroke.
You'll have to directory a claim under your insurance.
You can sue the alarm company and own a court decide. This is a request for information that can only be answered within court. Talk to a lawyer. Problem is, unless thousands of dollars are at stake, it's probably not worth your time or the lawyer's time to rob a case to court that might not even win.
Where can i get bonding insurance?
Answers: There are bonds, and there is insurance. They are BOTH products of an insurance company.
Contact your local independent agent to get a bond. Don't forget to bring the bond form, or all related paperwork. And understand that depending on the type of bond, it might ALSO require you to buy OTHER insurance.
No such thing, if you want bonding OR you want insurance, you can buy them both (or separately) from a local independent insurance agent. Get a referral to someone local with a good reputation.