VUL

Anyone here na may VUL? Do you think it's worth it? I get it, it's not a full investment and I will never receive the same amount I paid through the years. More than 5 years na akong nagbabayad ng 6250 per month pero parang nalulugi ang Pru life lately haha ang baba ng unit price nila kaya parang di umaangat yung fund value ko. Before daw nasa 2 plus and now nasa 1.6 na lang. I'm thinking if I should downgrade my policy to a basic insurance plan na lang.