Do you need more insurance?
VUL is a lifetime commitment, unless you have a single pay VUL,
even then, you have to make sure you leave it there for a longer
time just to break even with the charges.
Why don't you stash it in a UITF first?
First, they have no charges unlike VUL and mutual funds
Second, they have a short waiting period. BPI's UITF doesn't even
have a waiting period now.
But to answer your question, I've looked at Prulife. First when
I was purely looking for protection oriented VUL. I chose Sunlife.
because of their relatively cheap charges.
Then when I was looking for a investment oriented VUL, I chose
Insular, primarily because they're performance rocks plus some
One upside of Pru's VUL is its flexibility. Super flexible.
You can do 1M life, 500k accident, 300k hospitalization, etc etc
You can mix and match riders and dictate what face amount you want them for.
Other VULs have limitations, like if you get accident riders, it has to be the
same amount as the base life insurance, etc.
That's the only Pro I can think of.
But its totally up to you!