Discover how indexing inside IUL can replace panic with a plan. Doug Andrew’s team unpacks zero floors, annual resets, and locked-in gains—so you avoid losses while still capturing rebounds. See why buy-and-hold often beats timers, and how IUL adds a disciplined, tax-advantaged engine to your retirement.

Uncover how tax diversification—shifting from taxable and tax-deferred to tax-free—helps you prepare for potential higher future taxes. Then watch the numbers: real IUL costs, IRR, caps, and participation rates, plus a live client statement showing fees versus credited interest.

This episode reveals:

- Why timing fails and emotions hurt investor outcomes

- How IUL’s zero floor and reset lock in prior gains

- The mechanics of caps, participation, and multi-year strategies

- What IUL really costs—and how design changes everything

Whether you want downside protection, tax-free income, or a retirement plan you can stick to, these insights show how properly structured IUL can steady your path.

Timestamps:

00:00:00 — Introduction

00:01:26 — Market volatility 101

00:02:47 — Miss the “best days,” crush your long-term returns

00:05:53 — Emotion vs. logic: panic selling and FOMO buying

00:07:24 — IUL indexing basics: zero floor, capped upside, tax-free growth

00:08:40 — Locked-in gains and annual reset, explained with a ratchet

00:14:39 — Spending vs. taxation: debt, deficits, reform implications

00:17:19 — Tax diversification: taxable, tax-deferred, and truly tax-free buckets

00:25:27 — IUL costs simplified: structure right vs. costly designs

00:32:40 — Real client numbers: $95k credited interest vs. $3k fees

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