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@rachelr15 No. You're only under their watch if you're living with them. Heck, they are supposed to be the one that is sustaining your living and not the reverse because they are obligated by law which is sad because it is common among Filipino families.

@rmayer32 Following this post to be updated if may makapagbigay ng "positive benefits" na wala sa whole life or term insurance. As someone na nag-try maging insurance agent few years ago, napakaraming cons over pros ng VUL talaga. Eto naging principle ko mula nung nalaman ko component ng VUL...