Uninsurable? Discover how to own an Indexed Universal Life policy on a spouse, child, or partner and still earn tax-free retirement income. Doug Andrew reveals the surrogate-insured strategy, insurance-capacity secrets, premium financing tips, and more—all proven on high-net-worth clients. 00:00 – Why “Uninsurable” Isn’t the End 01:07 – Health Issues? Options You Didn’t Know 02:27…