In Focus—An IUL (Indexed Universal Life) is NOT for everyone.

People with time (compound interest) or money love IULs bc it can provide:

1. Leveraged living benefit for their family

2. Access to cash value for whatever is needed

3. Outperforms in bad markets because of a guaranteed floor to protect your downside

4. Tax free retirement income

Example: Million Dollar Baby Plan. A strategy that uses an insurance policy as an asset for your child so they can have money ready for life.