我猜测ggzh指的是这个吧

Variable Universal Life (VUL) Insurance

As in the variable life insurance product, the VUL also has the opportunity to achieve large gains which are tax-free to the beneficiary.

The variable universal life insurance policy combines many of the features of a whole life policy, a variable life policy and a universal life policy. The primary features are:

• premium flexibility;
• separate account control;
• assumed rate of interest;
• product is a security
• death benefit flexibility.

[此贴子已经被作者于2006-6-19 14:38:51编辑过]