Does Variable Universal Life Insurance Make Sense? 
Life insurance is all about mathematics . A universal life policy sacrifices guarantees to allow the customer flexibility in determining the payment schedule and benefit . These can be altered throughout the lifetime of the policy . My caution to all universal life policyholders , including myself , is to make sure to fund the policy with enough money to keep it in force until you either dont need it or the death benefit is paid to those that you love . 