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And because they are life insurance policies, VULs may only be sold by . The maximum premium amounts are heavily influenced by the code for life insurance. . To attain them, the policy must be highly funded (though still non-MEC), for the .

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If the policy is overfunded up to or within the seven-pay premium . If premiums exceed the seven-pay test maximum, the life insurance policy becomes a .

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Retirement supplement is a strong concept in today's life insurance market. . potential from a life policy, a common tendency is to take a specified funding amount . Both the above scenarios are already using the max funding for a given face .