Is your IUL an A+ build or a quiet F? Doug Andrew reveals 4 tests every properly structured, max-funded IUL should pass: Year-5 cost coverage, cash value ≥ premiums by 5–7, self-insuring by 10–15, and IRR within ~1% of gross by years 20–30. Learn the TEFRA/DEFRA/TAMRA basics, spot fee drag, and know when to audit your policy—without promising returns.
00:00:00 – Introduction
00:01:09 – What is a Grade A+ IUL
00:02:47 – Criteria for Evaluating IUL Policies
00:03:01 – First Criteria: Costs and Fees
00:04:02 – Second Criteria: Cash Values
00:04:54 – Third Criteria: Death Benefit
00:06:01 – Fourth Criteria: Internal Rate of Return
00:08:02 – Conclusion
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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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