How Should an IUL Be Properly Structured

[@jessewrather4754]

Exactly this is why I am grateful to come across your video here I called a couple insurance agencies and they didn't want to explain nothing I have to get ahold of you thanks for showing many people this it's life-changing

[@missedfortune]

If you are ready to talk with one of the IUL Specialists we work with please visit www.3dimensionalwealth.com/getstarted to schedule an appointment.

[@MHRetirementSolutions]

Great explanation on when to structure with Increasing DB vs. Level DB as it relates to how the client is funding the policy 💎

[@marcusdavis5695]

I started max funding my IUL 3 years ago. Doug really changed my life 🙏🏽

[@missedfortune]

That's fantastic! Thank you for your kind words. I'm truly honored. I'm glad you're seeing the benefits of max funding your IUL. 🙌

[@nicolereyes9042]

I need your book and guidance on getting this started!!

[@missedfortune]

Get Your FREE Copy of The LASER Fund Today by visiting our website! 3dimensionalwealth.com/books/

[@billymak2610]

I’m late, but very happy I found u. 53, just retired and wanting to save on taxes, live well and leave money for my young daughter when I check out. Rolling over $1M from an ira. I need to schedule something with u.

[@RinaRina-uw2dr]

How can I attend your webinar?

[@missedfortune]

Glad you asked! Here is the link to register! retirebydesignevent.com/registration1701383337034?

[@adiguejanicegonzalo3780]

Great presentation! Quick Question: I am now at retirement and now taking partial distribution off my IRA portfolio. Does it still make sense or beneficial to consider a strategic rolling out of a portion of my IRA to a Maximum Funded IUL Account? or is it too late?

[@brandg24]

He actually covers this in his book. It would still make sense because your IRA is still at risk of market volatility (the market actually experienced a loss of about 18% last year) which means the last thing you want is to be taking money out while having your nest egg eroded from losses. Idk your situation but it could be better to roll out your IRA into a maximum funded IUL because it provides: 1) Safety from market losses, with the upside of the market (you can have peace of mind during retirement) 2) Liquidity, you can access your money once it’s building cash value 3) Your money would grow tax advantage (deferred on withdrawals) but you can acces your money tax free via loans 4) the death benefit is tax free to your beneficiaries *But I don’t know your exact situation, I would say reach out to Doug Andrew’s team, their IUL specialist know how to properly structure the IUL to your situation. Best of luck.

[@LuxeprivaeMedia]

Very good question. You need to have the conversation specific to your needs and in writing.

[@wompol7117]

ok then i need to set up a dozen policies.

[@MRPOLY_237]

@@wompol7117were u able..I can help you do that

[@paradigmshift2608]

I'm definitely interested in utilizing this concept

[@missedfortune]

Hey there, you can setup a time to speak directly to an IUL Professional we work with here: www.3dimensionalwealth.com/getstarted

[@barbmoore4265]

I love the Left brain Right brain book! I am agent who wants to help people by structuring correctly.

[@missedfortune]

Check out our IUL insiders group: iulinsiders.com/

[@toiyeuKL]

What do I do if I have substantial cash value and my policy is level DB? Should I take the cash out as withdrawal or loan? I am contributing monthly and the cash value equals premium paid ($100,000) for 1 million DB. Thank you

[@brandg24]

It’s better to take it out as a loan, keep the cash value in the policy growing. The loan is tax free, withdraws reduce the cash value and are taxable after basis contribution.

[@TheNguyen-wy9iq]

I make about 40k a year and from tx. Is there a way can help with how i can start my iul

[@missedfortune]

We invite you to schedule an appointment with one of the IUL Specialists we work with who can answers your questions about starting an IUL. Please visit www.3dimensionalwealth.com/getstarted.

[@kalaepohaku4504]

I live in Honolulu Hawaii, do you have any recommendation on who I can go to who understands your IUL structure who I can trust? Or have gone through your training and practices your strategies? Thank you in advance!

[@missedfortune]

I recommend visiting www.3dimensionalwealth.com/getstarted to schedule an appointment with one of the IUL Specialists we work with.

[@JohnBednarcik]

I've seen 5-6 of your videos on IUL's (My first learning experience with these) and in one I saw you mentioned a good Comdex rating for the company you go with; I am a member of USAA (Comdex Score 99 for 2023) and on their site they stated they teamed up with John Hancock (93% Comdex) to provide Universal Life Ins options, and I was thinking of contacting them soon. Do you or does anyone have experience with USAA / John Hancock for their IUL?

[@7FigureSquad]

they don't have IULs

[@JesusMartinez-iq6yo]

How can I became your client? To get IUL when I ask my annuity agent about IUL they don’t know when I ask life insurance 100,000 I can get 200 dollars a month I guess they work with my money and they get 16 percent and I just get the crums from the pie graph I want to grow my money I found out after working 42 years I didn’t get rich even 31 years out of the 42 I work overtime from 72 hours to 84 hours I’m retired and I only make 2000 a month on SS what I use to make in one week It’s terrible based on minimum wage How can you help me to invest Thanks

[@missedfortune]

We invite you to schedule an appointment with one of the IUL Specialists we work with. You can schedule by visiting www.3dimensionalwealth.com/getstarted.

[@GeorgeMedrano-m1f]

Can I make 9 percent in New York via IUL?

[@missedfortune]

You can schedule with one of our specialists here: 3dimensionalwealth.com/getstarted/ They can also show you case studies of what our clients historically have done as well as currently.

[@philipbayaca7455]

I'm 51 years old, what is the proper design I'm this kind of age bracket

[@rukiddingmeNJ]

It depends on how much and how long you want to fund the contract.

[@missedfortune]

I recommend visiting www.3dimensionalwealth.com/getstarted to schedule an appointment with an IUL Specialist who can answer your questions.

[@lynnswearingen7982]

I’m 70 yrs old. Would an IUL make sense for me?

[@missedfortune]

Hey there, an IUL Professional we work with can explain the process. You can setup a time to speak directly to an IUL Professional we work with here: www.3dimensionalwealth.com/getstarted

[@gowen9383]

Doug, I would like to know your thoughts about systematic premium allocation. By that I mean your premiums are spread out over 12 months creating 12 annual segments. Is this a better long-term strategy for your IUL index allocations versus just putting it all in one annual segment?

[@Trottdaddy]

Not Doug, but i use the IUL concept in my work. The short answer is yes it is better to break up the premiums on a monthly basis rather than a lump sum in most cases.

[@NTEBOLLYWOOD]

I have a 10 years old daughter and I would like to save for college. What is the best option for her . Thank you

[@missedfortune]

Hey there, you can setup a time to speak directly to an IUL Professional we work with here: www.3dimensionalwealth.com/getstarted

[@wompol7117]

i was sold on this until i learned there are thousands suing you because it has not been working, but fees keep increasing. can u pls clarify?? thx

[@vangustia]

He is not being sued because it is not working.

[@chrismaloney1402]

There is a lawsuit from 2014 that was settled that he recommended to clients that they take out HELOC’s and new mortgages on their houses and failed to disclose the high fees on these policies

[@vangustia]

@Chris Maloney illustrations show the fees and have to be signed by customers.

[@chrismaloney1402]

so they do charge high fees? Interesting. Just because a customer signs a contract doesn't mean they fully understand what they are signing. how many people signed subprime loan documents in 2004-2007?

[@vangustia]

@@chrismaloney1402 LOL. Personal accountability must mean anything to you. High fees compared to what? Long term or short term fees?

[@chuqing99]

The problem is that the return is only 5-6% at this point, not the 11% anymore.

[@missedfortune]

We have many case studies showing 7-12% average returns... kzbin.info/aero/PLF8af6gsBLfnuEQPmmm-YUM2fsk1wp4Nj

[@hanselbermudez7604]

Depends on the time frame, of course. Remember you didn’t loose money during the down years like folks in the stock market

[@LuxeprivaeMedia]

Its not a quick fix. Neither is what you are saying correct historically.

[@CHRISToffersLIFE]

This is because the market is bearish rn but will be bullish from 2024-2026, then bearish for 2027 to 2032 then extremely bullish for 3 years & will begin to be bearish again after 2035 and so on, give or take a year on most of these calculations… I am not a financial advisor but now is the BEST time to start an IUL

[@AnomalyBelleza]

@@CHRISToffersLIFE Thank you for this.

[@jmjm4860]

The problem is that nearly half the country thinks like her.

[@crow-vz5lx]

WTF is this...👁️👄👁️

[@allengallegos7238]

The title of the Video is the hook to buy his book and various other products (tutorials). If he told you how to “properly” structure an IUL he could not make money off his products.

[@nnaaarruuuttooo1566]

The book is free though lol

[@RudolphDocCampos]

​@@nnaaarruuuttooo1566 he's just hating. Losers hate winners.

[@hisagisan]

He’s in sales. Shocker.

[@sasquatchlife8836]

lol