structure index universal life I correctly and fund it properly if you do that and you are meeting with an adviser who understands how to do this correctly your money will accumulate taxfree under section 72e of the Internal Revenue code you can access the money totally income taxfree under Section 7702 and when you ultimately pass away anything left in there will Blossom and transfer income taxfree under Section 101a now many agents they sell an i at Target Premium which will not give you the optimal rate of return if you were fortunate enough to earn s or 8% rates of return you might only net three or four you can actually earn better rates of Return by diversifying and rebalancing like 11% a Net 10 when you structure it under these three sections of the code properly