VUL insurance stands for Variable Universal Life insurance, a flexible life insurance product that combines lifelong coverage with a built-in investment component. It’s gaining traction in places like Florida, Texas, and Illinois because people are looking for smarter, more dynamic ways to manage both protection and wealth-building. As living costs rise, families in cities like Orlando, Austin, and Chicago are turning to VUL to protect their future while growing funds they can access along the way. The policy adapts to life’s changes and allows policyholders to make withdrawals or loans without losing coverage. That’s why it’s being recognized as a smart financial tool—not just life insurance.