Does Variable Universal Life Insurance Work? 
It 's a great policy as long as you understand what you are doing with the cash value that is being generated . A portion of your premium is being invested for you in stocks / mutual funds etc so you need to understand where the money is being put and if that is a good investment . You can earn a lot or lose a lot with those types of policies . It 's essentially a life policy with a certain face along with an investing platform and just like stocks you can gain / lose a lot of money . 