Not at all. While some opt for private placement VUL insurance with higher investment thresholds, most regular VUL policies are designed for everyday Australians. If you’re a tradie in Shepparton, a nurse in Launceston, or a teacher in Mackay, you can still benefit from what VUL offers. It’s all about tailoring the policy to your budget and goals. The entry-level premiums are often more accessible than people think.