Discover how a max-funded Indexed Universal Life (IUL) can power tax-free growth, liquidity, and protection while avoiding common design mistakes. Doug Andrew and team break down the Laser-Ready Test, the Rule of 72, and the trade-offs of Term, Whole Life, and IUL so you can align coverage and cash value with your real goals.

Uncover how a zero-percent floor and smarter indexing can shield your nest egg from market losses while still participating on the upside—and why riders and annual rebalancing matter.

Now that you see the benefits of transparent, purpose-driven planning, this episode reveals:

- When to use Term vs IUL (and where riders truly belong)

- How to vet advisors with the 14-point Laser-Ready checklist and fee clarity

- Small-business strategies: selective incentive plans, key-person coverage, and the four entrepreneurial freedoms

Whether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your financial future.

00:00:01 - Introduction

00:03:01 - Understanding IUL

00:07:03 - The Role of Financial Professionals

00:10:28 - Can Someone Create a LASER Fund on Their Own?

00:12:51 - The Importance of Regular Reviews

00:14:49 - Term Life vs IUL

00:25:24 - Advice for Small Business Owners

00:30:37 - The Importance of Purpose in Small Businesses

00:35:05 - The Four Freedoms and Business Growth

00:36:23 - Closing Remarks and Call to Action

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