re: Give me scenarios where whole life/VUL would be a good idea to own

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something I can pass on to my kids

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This would be an ideal scenario for permanent life insurance.

But you don't have to confuse permanent life insurance with anything growing cash values. The more bells and whistles you buy in a life insurance policy, the more expensive the physical (mechanical) cost of the policy will be.

I essentially have a no cash value Universal Life Insurance policy. It is basically a permanent term policy. And because it does not permit access to cash value or cash growth, 100% of the mechanics of the policy are built to sustaining a paid up permanent life insurance benefit (to offset losing social security income for my wife when I die or to pass on a benefit to my kids' families.