xdjm, Is there any suggestion for life insurance?

I want some way to protect my kids.

It is better if it could be a kind of investment at the same time.

most often seen life insurance with some kind of investment built in is called "whole life insurance", but it is much more expensive than term life.

except for ultra-rich people, many experts recommend separating your insurance need from your investment. There have been some articles on this board that discuss whole life vs term life.

Term life insurance is really much cheaper than whole life insurance or other insurance such as UL, VL, VUL.

what is UL,VL,VUL???I'm going to buy some life insurance this month.any recommandation?