Variable universal life remains a niche product– LIMRA reports that VUL represented just 8 percent of total life sales in 2014. According to LIMRA's Karen R. Terry, FMLI, assistant managing director, insurance research, VULs had annualized premium sales growth of 24 percent in 2013 and 17 percent in 2014. Other advisors like David Demming, CFP with Demming…
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