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What Do We Know About Kyle Busch’s $8.5 Million Indexed Universal Life Lawsuit? (Episode 38)
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
----------
Discover how a properly structured, max-funded IUL can compound safely and deliver tax-free retirement income. Doug Andrew’s team unpacks the rails—TEFRA, DEFRA, TAMRA—and why designing for your guideline single premium (the right “building size”) beats bloated death benefits every time. Learn why going beyond products (the “engine”) and focusing on structure, funding, and annual tune-ups (the “pit crew”) leads to durable results.
Uncover how the zero-percent floor and smarter indexing aim to preserve principal during market drawdowns, while disciplined funding and reviews keep policies on track. Reclaim clarity with a DIY in-force illustration audit and fee report that reveal vacancy (underfunding) at a glance.
This episode reveals:
- Max-funding basics and why TEFRA/DEFRA/TAMRA matter
- Option A vs. Option B and optimizing death benefit costs
- Case studies showing real growth, fees, and tax-free income
Whether you seek tax advantages, long-term compounding, or peace of mind, these insights show how a well-built IUL can power authentic wealth.
Timestamps:
00:00:43 — Kyle Busch case
00:01:32 — Why big IUL losses happen
00:05:46 — Don’t blame IULs
00:06:27 — Four pillars: structure, funding, management, and real examples
00:07:18 — Two IUL failure points most investors overlook
00:10:55 — Owning your death benefit
00:13:10 — TEFRA, DEFRA, TAMRA
00:16:27 — Cash value parity by years five to eight
00:18:08 — Case study: 2019 Pacific Life policy compounding correctly
00:21:22 — Annual reviews and index choices: minor levers, major habits
00:25:08 — Long-term results: fees down, values up after year ten
00:29:23 — Large policy example
00:35:00 — DIY audit
----------
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
----------
View all episodes
By 3 Dimensional WealthReady to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
----------
Discover how a properly structured, max-funded IUL can compound safely and deliver tax-free retirement income. Doug Andrew’s team unpacks the rails—TEFRA, DEFRA, TAMRA—and why designing for your guideline single premium (the right “building size”) beats bloated death benefits every time. Learn why going beyond products (the “engine”) and focusing on structure, funding, and annual tune-ups (the “pit crew”) leads to durable results.
Uncover how the zero-percent floor and smarter indexing aim to preserve principal during market drawdowns, while disciplined funding and reviews keep policies on track. Reclaim clarity with a DIY in-force illustration audit and fee report that reveal vacancy (underfunding) at a glance.
This episode reveals:
- Max-funding basics and why TEFRA/DEFRA/TAMRA matter
- Option A vs. Option B and optimizing death benefit costs
- Case studies showing real growth, fees, and tax-free income
Whether you seek tax advantages, long-term compounding, or peace of mind, these insights show how a well-built IUL can power authentic wealth.
Timestamps:
00:00:43 — Kyle Busch case
00:01:32 — Why big IUL losses happen
00:05:46 — Don’t blame IULs
00:06:27 — Four pillars: structure, funding, management, and real examples
00:07:18 — Two IUL failure points most investors overlook
00:10:55 — Owning your death benefit
00:13:10 — TEFRA, DEFRA, TAMRA
00:16:27 — Cash value parity by years five to eight
00:18:08 — Case study: 2019 Pacific Life policy compounding correctly
00:21:22 — Annual reviews and index choices: minor levers, major habits
00:25:08 — Long-term results: fees down, values up after year ten
00:29:23 — Large policy example
00:35:00 — DIY audit
----------
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
----------