WFG VUL is from WRL, WRL is a reputable company. To judge whether to buy, you need to know the fees, the best is to buy >500k, which have minimum percentage fees. You have to understand that the reason to buy VUL is to avoid tax, and VUL COI is based on amount at risk, so to take advantage of VUL, you have to build up cash value ASAP, ie. max pay in first 3.5 years, so the tax saved grow >> than COI. Never take money out if tax saved < COI.