Is Variable Universal Life Insurance Worth It? 
Is variable universal life worth it ? It 's going to depend on the individual who purchases it . Variable Universal Life has many `` moving parts '' that require attention . This is not a purchase and put in the drawer policy . It requires `` management '' by the individual who purchases it . These policies may require rebalancing and/or changing funding options within the choices . Anyone who purchases a VUL should have a good understanding of investment risk and what it requires for the best possible outcome . For me personally , I am not a fan of VUL as I feel some things in a portfolio should be boring , safe and consistent and offer a reasonable return . I feel traditional old fashioned whole life offers that to an individual . It becomes a personal question of how much RISK a person should have . For me , my whole life respresents a boring financial product , one that did ` nt go backwards in 2008 , when all my exciting ones did . Personally , I want something that is steady , along with something else that has more risk but greater return possibilities . Again personally speaking , I do n't feel insurance should ever be an `` at risk '' product . Just me , old school , sorry . 