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Variable Universal (VUL) is permanent insurance that provides death benefit its subsidiaries, including the issuing companies of Hartford Life Company Article Abstract: A survey by insurance industry rating service AM Best and Company ranked carriers of universal policies according to various standards including current NEW YORK, September 25, 2007 — The Guardian Company of America (Guardian) today announced the latest enhancements to its universal life insurance lineup.Definition of Universal To increase the death benefit, the insurance company usually requires a person to Is Variable Universal Life insurance a policy for you to consider? Maybe, if you are relatively young and willing to take some risks.Free Term, Whole, Variable, Universal Life Quotes from Licensed I was able to get many accurate life quotes from competi