Talk:Universal life insurance

message: I placed the above notice. T--72.70.221.213 (talk) 01:11, 10 June 2011 (UTC)
replies: text: This type of insurance exists in Canada as well, and is refered to as "Unviversal Life" or UL. How to get around the perhaps misleading "Universal", I'm not sure --Mr Minchin 17:01, 29 June 2006 (UTC)

message: It is illegal for an agent to sell a client Universal Life as an investment option.  It is also misleading, because upon death, the percentage of cash value returned to the beneficiaries is always less than 100% of what the amount would be without having this option, and often 0%.  I would request that 'investment' be removed from the article, or qualified as an incorrect way to sell UL.Ecawilson 12:53, 25 October 2007 (UTC)
thread_title: Illegal to sell as investment

message: I noticed that someone completely removed the conflict of interest section from this page.  I added it back and request that any further changes to that section be discussed on the talk page.--64.244.99.100 (talk) 17:51, 29 December 2009 (UTC)
thread_title: Conflict of Interest

message: I deleted the external link.  If there is a compelling reason to include this one website and not many of the other "informative" websites out there, we can discuss it.64.244.99.100 (talk) 16:19, 28 June 2010 (UTC)
thread_title: Irrelevant Link

message: Equity Indexed Universal Life Insurance is NOT an investment…AND it is illegal to sell it as such? Really?  
 Let’s first define “investment”… in•vest•ment: 1. The use money or capital in order to gain profitable returns…as interest, appreciation in value, or income.
Agreed? 
Well, on the main page of this article (in the very first paragraph) it states that UL builds cash value through premiums that are paid above beyond the cost of insurance, charges and fees. It further states that interest is then credited on that cash value, determined by the insurance company and often pegged to a financial index. Later in the article it states that withdrawals and loans can be taken from the accumulated cash value…and if done correctly, those withdrawals are tax-free. 
Seems pretty clear...This is; the use of money in order to gain profitable returns…as interest, appreciation in value, AND income.
 Pardon me, but what part of that isn’t an investment? And, for the right individual, a great one at that?!  
--72.70.221.213 (talk) 01:11, 10 June 2011 (UTC)
replies: text: Nice argument, maybe you should go make it with the SEC...--192.41.81.68 (talk) 20:00, 15 August 2011 (UTC)
thread_title: Re: Investment

message: Wikipedia's Neutral Point of View (NPOV) policy states that one should "avoid stating opinions as facts."  The introduction paragraph to this article seems to state several opinions, particularly in the last few sentences.  I don't know enough about finances to fix this article so I have nominated it to be checked for its neutrality.
Jenneratty (talk) 15:28, 21 January 2015 (UTC)
thread_title:  Article may not comply with Wikipedia's NPOV policy 

message: Note: I added an item regarding the increasing use of this product to avoid taxes. The heading was removed as POV. To some extent I understand the objection but it was left with no heading and so was incorrectly included in the preceding section. This entry needs a heading. Also, the item is included under "Criticism" so it seems the listings are identified as having a point of view -- that is, they are criticisms. I have restored a heading that is more neutral.  — Preceding unsigned comment added by Jreiss17 (talk • contribs) 03:55, 12 October 2016 (UTC)
thread_title: POV in criticism?