Does Variable Universal Life Insurance Work? 
Yes , it can . . or it can fail . When a person decides a Variable Life policy is the choice of plans they want , they must realize they are making a commitment to monitor and track and adjust that policy for the life of the policy . A Variable Lfie Policy is not a purchase , put away and forget till you have a death claim policy . If a preson does that , there is a strong chance the policy wo n't be there . A VUL requires review and action -LRB- like rebalancing -RRB- on a consistent level through the life of the policy . While this may sound like a chore , it is also what can create the advantage of using a VUL in your portfoilio . The ability to adjust the investment part of the policy to take advantage of market opportunities . If you are considering a VUL as a purchase , ask yourself if you are willing to pay attention to your policy and make adjustments as needed during the life of the policy to make it work for you . If that sounds like too much work , a VUL is not a choice for you . No worries , there are other choices out there that can help you too . 