structure iul correctly and fund it properly I would recommend first of all to stop funding policies whether it's on yourself or if you're an adviser stop funding an insurance contract and I policy based on only paying the Target Premium I can't believe how many agents do that how many clients just pay the Target Premium why because that's usually the premium the insurance company recommends so that the policy will stay in force and not lapse if you pay that premium to a certain age like age 65 now it will not perform at its optimal level as a a superior tax-free capital accumulation tool
Tax-Free Retirement Planning