Variable Universal Life Insurance?

**Experienced Life Pros only, please** Working with a couple now, and they need Life Insurance. They need a last sourvivor policy for estate planning, so Term is out. Young couple, in their 30's. With a VUL, is there any time that a single pay contract would make sense? I can't figure it out, but since... show more **Experienced Life Pros only, please**
Working with a couple now, and they need Life Insurance. They need a last sourvivor policy for estate planning, so Term is out. Young couple, in their 30's. With a VUL, is there any time that a single pay contract would make sense? I can't figure it out, but since it's an option, I need to go over it for compliance reasons. Please help A.S.A.P.!!!
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