1 year annual renewable term. It will build up early, but as you age the cost of your 1 year term goes up. Eventually, the fees surpass your investment. It will then cabbage up the investment to cover the costs and leave you with a tax bill from an investment that has more been used up in whole or in part, depending on how soon you catch on and cancel.

It's the highest commission paying life insurance policy for a reason, and that reason is that the companies make a killing.

Search Variable Universal Life Insurance horror stories for more reasons to shun what I've heard called "The Frankenstein of all policies."

Here's a brief WSJ article on them: https://www.wsj.com/articles/universal-life-insurance-a-1980s-sensation-has-backfired-1537368656