BIG DECISION-- been holding it for 2 long years

This is just me. Maybe you have better experience in this matter than me. Still, I wanted to share.

We wanted to be sure that our future is secured. But my question was, am i secured in the right insurance company? And just a few days i got my answered...😑

Traditional life insurance vs VUL (you're are insured but... Thats what i read in an article and thats how i conclude that im in the traditional which really wont benefit me at all 😥😫😭(many of you experienced it too, i know.. And it just doesnt feel right).

Traditional lapses if you cant pay the premium on time and it covers until your 99(great right?but am i still alive by that age?😅😂)and of courae lower dividends compared to VUL(you don't have invetment here) while VUL is flexible investments, lower premium, higher dividends and can pay your premiums as long as you have enough dividends.

Yes, I've been insured for 2 years before i surrendered it(i was covered for 2 years too with 1million benefit because i paid an additional payment which i though will be for the rest of my life, but i'm wrong😅😂😁😑) i was just a kid back then 😂😂😂thats all i can say. I did tell my sister about it and she told me to just surrender it, (sucklife bes!lugeeee!😂... Just think that while i was driving my car, i was isured by then lol and it just that they won 😑 and get another insurance with VUL.

I went to their office and asked them my cash value(cash surrender value), weew 12k out of 50k(still better than not having any at all).. I surrendered my policy and they give me cold cash😁😁
(Its better than cancelling or just stop paying, you won't get any if you do). Oh! The staff in their office is nice but it's just not the stuff (insurance policy) that i want.

I hope it helped you.
Now i changed  my insurance and applied to another insurance company with VUL..did you cange yours too?
#2018Xp😑
Pm me if you wanna know what company am i talking about...lol