With a VUL life insurance policy, part of your premium is allocated to investment subaccounts—similar to mutual funds. This means your cash value can grow depending on the performance of these funds, offering much higher growth potential compared to traditional policies. Cities like San Diego, Boston, and Houston are seeing increased adoption of VUL because people want more from their insurance than just a payout at the end. With smart planning, your policy can accumulate substantial cash value that you can later use. It’s like a built-in investment plan with the added bonus of lifelong coverage. 
