Originally, akala ko good investment opportunity si VUL as advertised by my sister (Pru FA).

I then invested for 8k monthly with her saying that Pru has consistently hit their 10-15% p.a. interest except for 2008 and pandemic. And it too has the insurance benefit coverage of 4M.

Sobrang ganda ng offer!

I then thought that after the 10 years period, it'd accumulate to around 2M with that amount of interest.

So now, 2 years later, I received the annual report for my VUL and was expecting something around 200k but was surprised that it only amounted to 48k.

I then asked to discontinue the VUL but was told that pre-termating the contract hss 40% charge other processing fees.

Now I'm left with 7k? Yung "other processing fees" was kindda whack to turn the remaining 28k to just 7k..

So ayun, finally makakabili na ako ng bagong induction cooker worth 7k dahil kay Pru ❤️