Is Variable Life Insurance A Good Investment? 
If you are a long term investor that understands market risk and policy expense loads , then read on . If you are in a high tax bracket , then you may want to consider Variable universal life -LRB- VUL -RRB- . The design of a VUL as an investment is so critical to potentialperformance , that only professional proposal experts who are wellacquainted with insurance regulations and taxunderstandingshouldillustrate VUL 's . Ifconstructedcorrectly , it maydeliver taxadvantagedmarket returnsover the long haul . Client suitability is paramount . An understanding of risk tolerance is necessary . Be advised ... youcouldlose all your money . 