See a real 14-year IUL statement on an 84-year-old client: $815,000 cash value, ≈$71,000 credited last year, and only ≈$1,090 in fees.
We break down caps, volatility-control indexes, and a 4.6% fixed bucket—plus how “wash” (≈2%) and “indexed” (≈5%) loans work for tax-free income.
Learn why max-funded design keeps the net amount at risk (and COI) low, how the 0% floor locks in gains against future downturns, and how loans affect the death benefit. Perfect if you’ve wondered “Does IUL still work years later?”
00:00:00 – Introduction
00:00:33 – Policy Background
00:01:12 – Policy Performance
00:01:59 – Policy Returns
00:04:06 – Policy Fees
00:05:10 – Policy Loans
00:08:33 – Death Benefit
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What To Watch Next
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How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer
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