I'm sure you'll get several opinions on this question. Without knowing your exact situation, but only general information here are some thoughts...
I think you should buy insurance to transfer the risk of pre-mature death
To answer your initial question regarding GVUL and retirement, in some cases it is suitable. Keep in mind, there are many ways a VUL policy can go sour if not maintained and used in the correct application. I would
Pension plans are governed by their plan document. I urge you to ask them for the plan document which should state when you can make rollovers or withdrawals. It is possible that your particular plan does not allow rollovers
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