re: Over Funding Life Insurance vs. Roth IRA

quote:

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1) Decrease the contributions in my 401K (Still maintaining a 10% contribution)
2) Buy a VUL policy with small death benefit (I think I am already sufficiently covered through other policies and work policies)
3) Over fund the policy with the decreased contributions of the 401K.
4) I like the disability option as mentioned by another poster.
5) I'm skeptical of the fees and increased cost of mutual funds.

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Good God man. If you are skeptical of mutual fund fees, you are gonna shite a brick at the VUL fees. You know they are the mutual fund fees PLUS M&E, dealer add back and pinstriping.