Variable Universal Life Insurance (VUL)?

I am 19 and met with a financial adviser to try and start on a retirement plan. He strongly recommended that i go with a VUL. He wants me to invest $10,000 up front and then make monthly deposits. I did some research on it but im skeptical. Is this a good retirement/life insurance plan? Or should i go with a 401k... show more I am 19 and met with a financial adviser to try and start on a retirement plan. He strongly recommended that i go with a VUL. He wants me to invest $10,000 up front and then make monthly deposits. I did some research on it but im skeptical. Is this a good retirement/life insurance plan? Or should i go with a 401k or another option?
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