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Should I stick with my Variable Universal Life insurance or switch to Term Life for the same price?

When I was young, my parents bought Variable Universal Life (VUL) for me from a haggling cousin. A few years ago, I took over the payments. Now, I have another family member telling me to switch to term life (30 years) because it is supposedly better and cheaper... However, the monthly payments will be the same. With the Term Life, I will be insured more than double than the VUL plan. My issue is i'm fairly young, and if I don't pass away within 30 years, my family gets nothing. At that time, it will probably be very expensive for me to extend my Term Life policy. With the VUL, at least my family will get something when I pass away after 30 year. From my google searches, most suggestions advise to get the Term Life because it's cheaper.. But in this case, its costing me the same out of pocket(although I am insured more with Term - i guess it is technially cheaper, but I am still dishing out the same amount out of pocket). 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However, the monthly payments will be the same. With the Term Life, I will be insured more than double than the VUL plan. My issue is i'm fairly young, and if I don't pass away within 30 years, my family gets nothing. At that time, it will probably be very expensive for me to extend my Term Life policy. With the VUL, at least my family will get something when I pass away after 30 year. From my google searches, most suggestions advise to get the Term Life because it's cheaper.. But in this case, its costing me the same out of pocket(although I am insured more with Term - i guess it is technially cheaper, but I am still dishing out the same amount out of pocket). Seems like one is safer (VUL) and one gives me more return if I die before 60, which hopefully i don't. Just wanted everyones thoughts as I continue to research the benefits of one insurance plan over the other. Any insight/suggestions would help. Thanks in advance. 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Right now, with all motorists and the superior student discount instruction school discount, $164 and I am playing with monthly to push a focus around. So we have the multiple car discount also I am on my parents program. This looks not relatively low for insurance. what insurance firms might be cheaper? I have full protection. How can I get insurance that is lower?" Should I stick with my Variable Universal Life insurance or switch to Term Life for the same price? When I was young, my parents bought Variable Universal Life (VUL) for me from a haggling cousin. A few years ago, I took over the payments. Now, I have another family member telling me to switch to term life (30 years) because it is supposedly better and cheaper... However, the monthly payments will be the same. With the Term Life, I will be insured more than double than the VUL plan. My issue is i'm fairly young, and if I don't pass away within 30 years, my family gets nothing. At that time, it will probably be very expensive for me to extend my Term Life policy. With the VUL, at least my family will get something when I pass away after 30 year. From my google searches, most suggestions advise to get the Term Life because it's cheaper.. But in this case, its costing me the same out of pocket(although I am insured more with Term - i guess it is technially cheaper, but I am still dishing out the same amount out of pocket). Seems like one is safer (VUL) and one gives me more return if I die before 60, which hopefully i don't. Just wanted everyones thoughts as I continue to research the benefits of one insurance plan over the other. Any insight/suggestions would help. Thanks in advance. I suggest one to visit this website where you can get quotes from different companies: http:// average insurancecosts.xyz

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