Most group insurance plans offered through employers are for term life, not VUL. However, some organizations and private groups offer optional VUL insurance plans, or at least allow payroll deductions for privately chosen policies. If you’re in tech hubs like San Francisco or healthcare centers like Rochester, Minnesota, ask your HR department about your options. Even if your employer doesn’t offer it, you can always apply individually. And with private placement, the coverage can be tailored just for you.