i need help on my investing. my wife and i together save and invest a little more than $100,000 per year. we max out our 401k's and the rest so far has been put into taxable acounts and mostly index funds. my financial planner for the past two years has been pushing for the variable life insurance plan and really sells the tax benefits of it. i'm starting to agree with him especially with the change in the nation's president and the possible long term/short term capital gains tax changes that may follow. i've searched this forum for info on the VUL insurance threads and it doesn't seem to endorse these investment vehicles. my fp recognizes that these can be bad investments but with the amount of money that we are trying to invest, the best way to avoid the potential taxes is to use the variable life policy. i've always been skeptical of these policies, but if i'm saving for the long term and want to avoid as much taxes as possible, it seems that it is about the only option. any thoughts? thanks in advance.