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@niguellox Yes premium increases for term. Like in Sunlife, every 5 years increase nila. Pero kahit i-total mo pa yun, mas malaki pa rin talaga yung VUL. Though again, depende sa preference mo anong insurance bagay sayo. Like the other commenter said, if you’re disciplined sa investing, buy term...

@rschlap Save up first and ask yourself if you really need a house. Wala ka ba plans mag abroad? Is it near your workplace? What if lumipat ka work? And what happens if you lose your job and wala ka savings? Unless you get a higher paying job, you’ll probably loan and pay your house for 15 to...