Borrowing against a properly structured, max-funded IUL can help you keep compounding while accessing cash—often the difference between 0% and 61.33% in big up-years.
Doug Andrew explains zero-wash vs indexed loans, shows retirement math (why ~10% payouts can work with ~8% crediting), and walks through real case studies from 2017 and 2020.
Learn spreads, opportunity cost, multipliers, and when to switch index strategies. Educational only; no guarantees.
00:00:00 – Introduction
00:01:18 – Understanding How Money Works
00:02:34 – The Laser Banking Concept
00:03:05 – Borrowing vs Withdrawing
00:08:55 – Understanding Employment Cost vs Opportunity Cost
00:11:02 – Real Life Example: Borrowing vs Withdrawing
00:15:38 – Understanding the Multiplier Effect
00:17:06 – The Impact of Borrowing vs Withdrawing
00:17:35 – Introduction to the Laser Fund Book
00:18:02 – How to Get the Laser Fund Book
00:18:16 – Additional Learning Resources and Services
Go to: https://www.laserfund.com
Go to: https://entitlementabolitionbook.com
Go to: https://www.free10keysbook.com
Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com
What To Watch Next
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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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