Variable Universal Life (VUL) is similar in most ways to Universal Life, including premium flexibility. If you are presently investing in mutual funds, or have the desire to, you may want to consider a VUL policy. The term "variable" denotes the ability to make investments in separate accounts. A consumer purchasing VUL has the flexibility to allocate their cash values between 10 to 15 separate accounts. A conservative investor could select money market accounts, bond funds, etc. A moderate investor might be interested in balanced accounts, blue chip stock funds, etc., while an aggressive investor may be interested in growth stocks, emerging world markets, etc. A VUL policy owner can allocate cash value among the various accounts to reflect his/her particular risk tolerances.      Typical Variable Insurance Funds

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