And what is your specific experience, personally or professionally, with VUL?? Care to explain the pros and cons of a standard policy?

All I hear on these boards is to never put your investments with your insurance. I have never advocated the use of VUL as a primary invest tool. I ALWAYS tell people to invest via their company retirement plans and IRA's first.

I personally carry $1million of term insurance on myself, but I have a small VUL that I overfund. It will ultimately provide me with a huge tax benefit.

If I can find one person on this board that can give me good reasons why VUL is not a viable tool in planning, I will listen. But all I ever hear is the same old drivle espoused by everyone else knowing little or nothing about the product.

Alan McKnight, CFP