Doug Andrew – Words

  • – LC – Blue Kangaroo – Guaranteed – wink
  • Strategic Rollover
  • 2025 0407 – Doug Andrew – DON’T Fund an IUL Until You Understand THIS! – GLP-Guideline Level Premium] – [VIDEO-YouTube-16:49]
    • EF Hutton
    • 7720
    • Self-insure
    • TEFRA (1982) / DEFRA (1984)
    • Your objective is Living Benefits
    • TAMRA – 4 years, 1 day
    • averaging over 9.6%, my clients have been averaging 10-11%, 9.6% is extremely conservative, I’ve been doing it since 1980.
    • clients don’t buy life insurance for the life insurance
    • [SIV / CIV]
    • Cost of insurance gets cheaper as you get older.
      • NAV, [Bonk: Corridor]
    • 9 – 101
    • 9 – Target Premium – keep policy to 65 yo, 
    • 10 – GLP – 
    • [Bonk: GMP – Guaranteed Maturity Premium]
    • GSP – Guideline Single Premium – IRS – 11 years
    • 14 – 11.17%
    • IUL Certified Professional, Living Benefits
    • Book – The LASER Fund
    • Properly Structured IUL