May college / education plans na ba ang mga anak nyo?

Kukuha pa lang ako this year ng Variable plan for my 2 children, not educational plan. I worked for an insurance company before and I know how helpful it is. I prefer VUL kasi mas malaki ang interest rate nya and it's protected by the IC unlike sa educational plans before na pre-need plans ang nagooffer kaya when they were bankrupt, wala na din lahat ng benefits ng clients nila.