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

I think more real estate would be a better investment to pass down to kids. It appreciates over time and you can depreciate it which will help with your taxes.

And when you die the basis will not be zero for your kids, it will be the value at the time of your death and they can keep it or sell it tax free for up to 6 months after your death, from what I understand.