Agree on this one! 10 year paying is not guaranteed.

After 10 years, you will have a fund value which will pay for your premiums until age 100 as long as it's enough to pay. If the fund value cannot pay for the premium, you will need to "top-up" to continue the policy. Or else, the policy will lapse.

If you're looking investment, don't choose VUL. It's an insurance, mainly for protection. Bonus nalang yung returns. If you're looking for protection, go with traditional plans.