DON'T Fund an IUL Until You Understand THIS!

Discover the critical difference on how to set up your Indexed Universal Life Insurance. Doug Andrew explains how to structure your IUL for maximum tax-free growth, minimize insurance costs, and avoid common setup mistakes. Learn the IRS rules, key tax-codes, and how to grow your retirement portfolio safely.

00:00:00 - Introduction to GLP and GAP in IUL
00:01:03 - Why Most People Misunderstand IUL
00:02:16 - E.F. Hutton’s Vision Behind IUL
00:03:22 - Key IRS Codes You Must Know
00:04:16 - TEFRA & DEFRA: IUL's Tax-Free Backbone
00:06:22 - Why Cost of Insurance Gets Cheaper
00:08:15 - How Interest Beats Insurance Costs
00:09:44 - Dangers of Using Target Premium
00:11:29 - Internal Rate of Return Explained
00:13:08 - How Long Can You Contribute?
00:14:01 - Maximum Growth with Less Insurance
00:15:10 - Next Steps

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

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Ready to speak with a Specialist? Book a free Quick Consult here:

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Claim Your Free Copy of The L.A.S.E.R. Fund Book

Get a Free Copy of "The LASER Fund"

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

Did you love this video?
Want to learn more wealth and life empowerment lessons from Doug?
Here are some next steps!
========================

Ready to speak with a Specialist? Book a free Quick Consult here:

Want to Learn More? Register For An Upcoming Event:

Claim Your Free Copy of The LASER Fund Book

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

[hardboard]

At 2:16, you said people would pay 33% taxes on a $120, 000 annual withdrawal from a traditional 401k. Where did you come up with such a high tax rate?

Assuming $120, 00 annual withdrawals to pay for retirement expenses, the taxable portion would only be $90, 000 after accounting for a $30, 000 standard deduction for a married couple filing jointly. On that $90, 000, the taxes paid on the first $23, 850 would be a 10% rate. The remaining $66, 150 would pay 12% taxes. In total, that’s $10, 323 paid in taxes. The effective tax rate for $10, 323 on $120, 000 is only 8.6%.

Assuming 33% taxes on $120, 000 makes it sound like a really bad decision. But assuming 8.6% taxes on $120, 000 suddenly looks much more appealing.

Am I misunderstanding the math here, or was your tax assumption way off based on the 2025 tax bracket rates?