Anyone contemplating variable universal insurance might keep a few guiding principles in mind:

• Match the Product to Your Goals: If you don’t truly need permanent coverage or don’t have the appetite for market fluctuations, reconsider simpler forms.
• Realistic Return Assumptions: Base your budgeting on modest or moderate subaccount returns. If the actual performance exceeds that, it’s a pleasant surprise rather than a necessity.
• Focus on Fee Transparency: Add up policy-level fees, subaccount fees, and possible surrender charges. Know exactly how these can erode returns.
• Commit to Ongoing Management: A variable universal policy is not “one and done.” Periodic reviews, rebalancing, and potential premium adjustments are normal.
• Plan for Contingencies: Lay out scenarios for job loss, market downturn, or health crises so you know how to keep the policy afloat or exit gracefully if truly needed.