In reply to Arlen Millard.

Maybe. VUL policies have a place within the wider financial tools market, but in my opinion, usually the folks who don't really care about the money (in the sense of they have enough of it so if any one particular investment fails, they're still fine). I wouldn't expect VULs to be the problematic product to seniors as much as unsavory annuity products that can be constructed to really lock folks into it in unexpected-at-time-of-sale ways.