An overfunded VUL is exactly what you should get.
#1 You are locking in an enviable health rating at a young age.
#2 The money you put aside grows tax deferred until you pull it out. Even then -you can get exactly the amount that you've put into it without paying taxes.
#3 Often these come with investment options that are not freely available elsewhere ie. closed ended mutual funds.
Here's a link for a more robust definition.
http://www.answers.com/topic/variabl...life-insurance