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Lesson 9
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VUL vs Alternative
VUL
vs
Term+Roth+Brokerage
Comparación 30 años. Fees compound gap.
Your scenario
Current age
Death benefit ($)
VUL premium anual
Term premium 30-yr
Market return
6%
8%
10%
VUL fees combined
2%
3%
4%
Compare 30 years
Result at year 30
Strategy 1: VUL
Subaccounts + 4 fees
Total paid
—
Final cash value
—
Fees + COI paid
—
Real IRR
—
Wealth + DB
—
Estrategia 2: Alt
3 vehicles
Term premium
—
Roth IRA final
—
Brokerage final
—
DB (years 1-30)
—
Wealth + DB
—
Cumulative difference
—
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