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<<Variable Universal Life can be a good tool>>

For who? You? Or the insurance company? In my experience linking together two different things result in one mediocre (at best) mish-mash. Better to independently select a good insurance policy and a good investment vehicle.

Buying SPY will give you almost everything that the investment part of a VUL will give you. But with lower fees and lower taxes upon withdrawal. Plus you can get out if you need to, without having to leave a pound of flesh behind. (There is no exit or penaly fee for selling SPY, you just have to pay the tax--reduced capgains rate if you have owned for more than one year.)

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