if you're going to earn 11 you want to net over 10 cash on cash I have averaged 11.17 netting 10.07 that's taking the least amount of insurance the IRS will let you get away with under te and defer tax citations and funding it as fast as the IRS allows under the Tamar tax citation when you do that then you can accumulate your cash values to where for most of my clients through the years the cash value in the ilul policy grew to equal or exceed the death benefit within 12 to 15 years if my cash value in an i policy grows to equal and then exceed the death benefit by the 12th year why do I need guarantees of a death benefit when my cash value exceeds the death benefit.
Tax-Free Retirement Planning