Why This IUL Can Get CHEAPER As You Get Older

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What is an IUL “LASER Fund” and how does it work?

Doug Andrew breaks down the mechanics of a properly structured, max-funded Indexed Universal Life policy designed for liquidity, safety, and tax-advantaged access. Educational only—always review policy design and risks before acting.

00:00:00 - What's a “LASER Fund”?
00:01:51 - The “Tax Trap” Problem
00:03:30 - Liquidity + Safety + Tax
00:05:20 - TEFRA/DEFRA/TAMRA
00:07:20 - Max-Fund Timing Rules
00:08:50 - Why Costs Can Drop Over Time
00:12:10 - Why Avoiding Loss Years Changes Everything
00:14:30 - The 1999–2012 Case Study
00:16:40 - How Index Crediting Works
00:19:40 - Next Steps

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
   • How a Max Funded IUL Can Earn Tax Free Ret...  


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