Voya variable life insurance policy is a scam. Don't get it. They charge 40 years of admin fees up front in the first 6 years. There are monthly service and premium fees that completely eat up any contributions and investments. And when you decide you want out of this craziness, there is a cash out fee of over $4000. I put one star because there is not a zero star option.
Bottom Line: No, I would not recommend this to a friend
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