Reported cash values may appear to "vanish" or move toward becoming "lost" when the death advantage is paid out. In the event that a proprietor wants a moderate position for his cash values, standard whole life is demonstrated. The explanation behind this is cash values are viewed as a major aspect of the death advantage. The insurance organization pays out the cash values with the death advantage because they are comprehensive of one another. Variable universal life insurance may outperform whole life because the proprietor can coordinate interests in sub-accounts that may improve the situation.