Your current best strategy is to stop deposit into your VUL.
There are many layers of expenses in your VUL that you maybe unaware of. The
mutual funds itself charges 2-3% expense every year. You can compare their
performance with its conterpart on the market. If you don't have time to read
through your entire VUL package, just look at this, written by expert. http://www.consumerfed.org/VULReport0203.pdf
