re: Long term care insurnace policies

It’s about leverage and having access to a pile of money before I can accumulate that amount of money. The beauty of the VUL part is that you’re still accessing the markets with your cash value so you’re not missing out on that part. The downside to that is the internal fees will be higher than what it would have been if you invested in just index funds, but you’re getting tax deferred growth inside the policy as well and maintain flexibility of its use so I do believe it makes sense.