While many find VUL life insurance suitable for their needs, critics often raise valid points regarding fees, complexity, and potential misalignment between coverage and investment. Some claim that unscrupulous sales practices push VUL policies on clients who would be better served by simpler approaches. As a consumer, staying educated and questioning agents thoroughly can help you avoid buyer’s remorse.

Remember that the intricacies of VUL—like subaccount management, premium flexibility, and changing COI—require a commitment of time and vigilance. If you prefer a more passive route or your budget can’t accommodate the fees, a simpler universal life or a term policy might make more sense. Still, for individuals well-versed in investing who require permanent coverage, VUL can fill an important niche in their financial plan.