From: "Cal Lester" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Trying to take money out of VUL policy
Date: 3 Apr 2005 14:35:15 GMT
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is300onyx wrote:
> Cal,
>
> Thanks for the reply.  Actually, the super LOW $2k accumulated began
> during the month of July, 1997.  I'm not sure if <8yrs is considered
> relatively new.
> But to follow along with my other questions, you pretty much answered
> them.  Its making more sense to me.
>
> Regards,
> Dave

My pleasure;

Since the contract is almost 8 years old, you should be nearing the end of
the "surrender charge "period. Look  INSIDE  the contract for that time span.

However, keep in mind, that as the ownership of the contract lengthens, as
the "surrender charge" decreases, the contract attains more value. The
PROBLEM remains though in BOTH the on-going monthly costs, as well
as the actions of "the market".
Cal Lester  CLU