Max Ben at iul is the dream solution for a myriad of financial goals but let's talk about uh estate planning so many times when I meet people and they're worried about estate planning they want to uh maximize what they leave behind to their heirs the best way to do that in a family bank is what I call it is by using a properly structured Max funded index universal life and I call it a laser fund and so every million dollars that is in the estate plan can generate a 100,000 a year of tax-free income that's a 10% payout tax-free but when you ultimately die that million can blossom to 2 million or three million why would you leave behind a million when you could leave behind three million if it doesn't cost you anything it's being paid for with otherwise payable tax.

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