Why Variable Universal Life Insurance? 
Variable Life is tricky . If properly funded it can be a tool that offers cash value growth based on market upside , but also death benefit protection should you prematurely pass away . Often times , reps suggest variable contracts due to the ` sexiness ' of the market , and recommend premium levels that do not support the product correctly . If variable life is not funded correctly it can be a disaster waiting to happen . If the premium is substantial enough to support the cost of coverage and left over monies are allocated appropriately , in can be a unigue tool in the planning process . Do not fall victim to illustrations run at 8 % and 10 % returns with mimimal funding . It will not be a realistic view of how the policy will work . Understand the pros/cons - which every product will have - and most importantly determine what the coverage is really for and what you are trying to accompish . In the end , it is life insurance NOT an investment . ~ SAP SAP 