Many people wonder about the minimum to start a max-funded IUL, especially when I mention larger amounts like $10,000 or even $1,000,000 annually. While the affluent do use IULs extensively, you don’t need a huge starting amount. Generally, I recommend at least $500 a month for solid growth potential, but young adults in their 20s can begin with $300, and you can even start one for a newborn at $100 a month.
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