In a nutshell, a properly structured Indexed Universal Life (IUL) policy means setting it up to accumulate the most money and achieve the highest net internal rate of return for living benefits. This includes tax-free accumulation and tax-free income, aiming to earn a gross rate of return between 8% to 12% and netting within 1%.
To do this, you need to:
– Take the least amount of insurance the IRS will allow under three tax citations: TEFRA, DEFRA, and TAMRA.
– Put in the maximum premium the IRS allows as fast as they allow.
If you don’t structure it properly, you’d be lucky to earn 7% or 8% and net only 2% or 3%. But with a properly structured IUL, if you earn 8%, you’ll net 7%.
To learn more about how to properly structure your IUL policy, study my book The LASER Fund. Simply click on the link below, contribute towards the shipping, and I’ll cover the rest.
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