Hello everyone I’m 22 M, just broke into my new career making some pretty good money, long story short, I’ve started to setup my retirement contributions ROTH Ira and 401k with employer match and personal investment account. My sister and her husband introduced me to their financial advisor, he’s trying to sell me on a VUL life insurance policy. However i feel like it can be problematic being stuck in a contract with surrender charges and paying fees. Does anyone have any insight I feel like he’s selling me it through a rose colored lens. Saying unlimited upside and other things.

EDIT: Thank you everybody for your insight, I will not pursue it. It’s just overly complicated and I still haven’t maxed out my retirement contributions. I also have no dependents so I’ll get a term policy when that day comes.