Alan, do you know of any VUL companies that use the Vanguard Index 500?? An agent told me that Ameritas does, but I don't know anything about Ameritas. I personally have a VUL and don't understand why a lot more people don't have them. Life insurance has certainly gotten a bad rap in the last few years but I have yet to hear a survivor complain that they were left too much life insurance!!Ten, twenty, thirty year level term policies are excellent for people bringing up children for life insurance that is not needed for a whole lifetime. However, the VUL will ride out dips in the economy (both in cash value and in the ability to move money from one sub account to another) and provide an element of stability. Thanks. Mary
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