Can't agree more. I am just thinking of how VUL ran recently. I did a financial comparison of our 2013 PFS and VUL recent PFS. Our 2013 PFS was much better in terms of return (39% us vs 21% IRR). Upcoming PFS expected to be much better than 2013. VUL ran 5000% plus on the back of this PFS, imagine we running similar (Just day dreaming at the moment but who knows dream might come true one day lol).
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