When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Don't Myth Out on Whole Life There are a lot of myths around whole life. Get the facts here. Variable Universal Life Insurance Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested. Long-Term-Care Needs Determine your potential long-term care needs and how long your current assets might last.