An IUL, opened in 2008, now shows ~$2.7M cash value, ~$3.3M death benefit, and quarterly fees ≈$3.2K. In this statement deep dive, Aaron Andrew breaks down real-world fee math (net amount at risk), allocation choices (1-yr, 2-yr, prior 5-yr), a conservative 5% in-force projection, and a retirement income plan using withdrawals-to-basis then wash loans. See…