Traditional life insurance mainly provides a guaranteed death benefit and may accumulate limited cash value over time. In contrast, variable universal life insurance offers investment options that can potentially grow your money faster, depending on market performance. Unlike traditional plans, VUL allows for flexible premiums and adjustable coverage amounts, which is especially helpful for people with changing incomes or financial goals. In growing markets like Phoenix, Arizona and Charlotte, North Carolina, policyholders appreciate this versatility. Essentially, VUL is about both protection and opportunity—something older models don’t offer.