let's take that snapshot in time when you have a million dollars and you can extrapolate from this example in this point in time you have a million dollars of cash value in your iul policy if you fa uh bearish about America if you think we're headed for a recession or you want to play it safe you just tell the insurance company just pay me your general account portfolio rate 4% in this example that means on my million this year they're going to credit me 40 Grand at the end of the year I'm going to have a million 40,000 or I could take income out of 40,000 just like the 4% rule of the financial services industry but mine's tax free if you took 40,000 out of an IRA 41k you'd be lucky to Net 30 after tax
Tax-Free Retirement Planning