In this video, Doug Andrew explains why he shifted from recommending “buy term and invest the difference” to endorsing Indexed Universal Life (IUL) insurance. With tax-free growth, IUL offers disciplined savers a better long-term strategy. Doug highlights the tax inefficiencies of term insurance strategies and reveals how IUL provides safer, more consistent returns. Discover why a max-funded, tax-free IUL is the smarter choice.
00:00:00 – Why I No Longer Recommend “Buy Term and Invest the Difference”
00:02:04 – Explanation of Term Insurance Costs and Drawbacks
00:04:09 – How Taxes Erode Traditional Investment Returns
00:07:00 – Comparing Term Insurance and IUL Net Returns
00:10:32 – Why IUL’s Tax-Free Structure Provides Higher Returns
00:13:21 – True Costs of Term vs. IUL Over Time
00:18:41 – Why IUL is the Better Long-Term Solution
00:18:51 – Get a Free Copy of “The LASER Fund”
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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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