Because of the complexities in variable universal life insurance—ranging from the subaccount selection to the tax implications—it’s wise to consult a financial advisor or insurance professional who understands these products thoroughly. Look for someone who:

• Holds the proper licenses to discuss and sell variable life products.
• Demonstrates a willingness to discuss both pros and cons, rather than pushing a one-size-fits-all solution.
• Can provide comparative illustrations, letting you see how variable universal life stacks against term, whole life, or other universal policies.
• Understands your overall financial picture, helping you integrate the policy into your broader plans.

This sort of professional guidance can help you navigate policy details that might otherwise seem too overwhelming, although it remains critical to do your own research and remain an active participant in any financial decision.