To those who are disappointed with the fund value of their VUL, I suggest reviewing the projected fund value that your FA presented to you during the proposal. It might be that the investment is only 5 years old or less, and you're expecting significant returns even though the projection does not yet indicate such growth. Additionally, ask your FA if it’s possible to switch your fund allocation. At Sun Life, this is actually free of charge. Baka di lang kayo na-inform.