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…