Variable life policies

I am currnetly looking into all of these options and am actually leaving toward variable life. The reason being that I am able to keep my premiums flexible (so if i can no longer afford the high premium i can change it) and i can 'invest the difference'. It's not guaranteed like a traditional whole life, but i have more control over how and if my money grows. A whole life policy is front loaded and it is not until 10years at the earliest that i would start to see anything close to what i put in reflected in the cash value of the policy!

anyone have any reviews or comments of variable life policies? i'd be very interested in hearing them.