Learn how high-net-worth retirees generate $100,000 of tax-free income every year using a properly structured Indexed Universal Life policy. Doug Andrew breaks down IRS sections 72 & 7702, TEFRA/DEFRA/TAMRA, indexing, and tax-free loans—protecting wealth while beating market volatility. 00:00:00 – The Zero-Tax $100K Strategy 00:01:01 – IRS Code 72/7702 Foundations 00:01:53 – TEFRA, DEFRA, TAMRA…