One of the most appreciated features of VUL insurance is its flexible premium structure. You’re not locked into a set amount every month, allowing you to adjust contributions as your income changes. In high-cost-of-living areas like New York City and San Francisco, this flexibility is a game-changer. It helps you stay insured without breaking your budget. When times are good, you can pay more to grow your cash value; when things get tight, you can reduce payments without losing your coverage entirely.