there are two things uh whole life insurance can't do that iul can do because frankly it was designed for that for living benefits whole life was designed primarily for death benefit uh the first thing is uh to be able to earn a rate of return within 1% of the gross rate of return as early as 12 or 15 years into the policy iul the cash value can equal and exceed the death benefit within 12 to 15 years the second thing that I well can do it can give you a payout of 10% uh from age 65 to age 120 without depleting principle show me any whole life policy that can do that without crashing and burning I've yet to have a whole life agent show me how to do that.
Tax-Free Retirement Planning