93 Million with Doug Andrew

IUL Questions Answered: Fees, Taxes, Loans and Retirement (Episode 64)

Discover how a properly structured Indexed Universal Life policy can support liquidity, safety, rate of return, and tax advantages. Doug Andrew and the team answer the most common IUL questions, including how a 1035 exchange can move whole life cash value into an IUL and why indexed crediting is different from investing directly in the stock market. This episode reveals: - How IUL indexing, options, and market protection really work - Why death benefits are generally income tax free - How proper funding can affect liquidity, premiums, and retirement income Whether you’re comparing IUL vs whole life, exploring tax-free retirement, or reviewing an existing policy, this episode shows what to watch for. Timestamps: 00:00:00 — IUL Questions Begin 00:02:09 — Whole Life to IUL 00:06:17 — Death Benefit Taxes 00:07:40 — IUL Retirement Benefits 00:08:45 — How Indexing Works 00:14:10 — Tax-Free Death Benefit 00:17:00 — Accessing IUL Cash 00:25:00 — Is IUL Investment? 00:31:20 — Stopping Premium Payments 00:34:26 — IUL Fees Explained ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/start [https://3dimensionalwealth.com/start] Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events [https://3dimensionalwealth.com/events] Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com [https://www.laserfund.com] Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

How Max-Funded IUL Creates Tax-Free Retirement Income (Episode 63)

Discover how the LASER Fund uses properly structured Indexed Universal Life to create tax-free retirement income, liquidity, market-loss protection, and long-term wealth transfer. Learn why indexing, rebalancing, policy loans, alternate loans, and the zero-percent floor can make IUL a powerful retirement income strategy. This episode also reveals: - What the LASER Fund is and why it is not a mutual fund or investment fund - How max-funded IUL can create tax-free income and living benefits - Why underfunded policies, oversized death benefits, and early loans can damage results. - How to identify red flags when working with a casual life insurance agent - Why policy audits and proper IUL design matter before and after purchase Whether you are planning for retirement income, tax-free wealth transfer, emergency liquidity, college funding, or business capital, this episode shows how the LASER Fund framework can help you evaluate whether your money is truly liquid, safe, growing efficiently, and tax-advantaged. Timestamps: 00:00:00 - LASER Fund Introduction 00:01:05 - IUL Strategy Explained 00:05:15 - The LASER Test 00:06:42 - Repositioning Retirement Assets 00:11:20 - Reducing Insurance Costs 00:19:30 - Indexed Growth Potential 00:23:05 - Tax-Free Policy Loans 00:27:14 - Casual Advisor Warning 00:30:00 - Failed IUL Audit 00:39:15 - Advisor Red Flags ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted [https://3dimensionalwealth.com/getstarted] Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events [https://3dimensionalwealth.com/events] Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com [https://www.laserfund.com] Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

The Hidden Cost of 401k Fees, Taxes, and Lost Growth (Episode 62)

Discover how opportunity cost can quietly reshape your retirement future. Doug Andrew and his team dive into the real cost of investment fees, 401(k) taxes, IRA withdrawals, taxable accounts, and lost compound growth. Uncover how a properly structured Indexed Universal Life policy can offer tax-free retirement income, market downside protection, policy loan access, and long-term cash value growth. This episode reveals: - What opportunity cost really means and why retirees often overlook it - How 401(k)s, IRAs, and taxable accounts can create hidden tax drag - Why market losses can destroy years of compound growth - How IUL policy loans may preserve compounding while creating tax-free income - Real examples showing IUL fees, death benefits, and long-term retirement cash flow Whether you’re worried about retirement taxes, outliving your money, market crashes, or losing wealth to hidden fees, this episode shows the framework can that help you think differently about protection, growth, and tax-free retirement income. Timestamps: 00:00:00 — Introduction 00:01:05 — Cost Versus Opportunity 00:03:41 — Real Estate Equity Strategy 00:06:16 — Visible Fees Mislead 00:09:46 — Retirement Tax Traps 00:11:44 — IUL Retirement Strategy 00:13:04 — IUL Cost Comparison 00:15:57 — Management Fees Compound 00:18:08 — Taxes Reduce Growth 00:21:52 — IUL Fees Explained 00:23:35 — Tax-Free Retirement Income 00:25:28 — Real IUL Statement 00:34:47 — Final Reminder ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted [https://3dimensionalwealth.com/getstarted] Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events [https://3dimensionalwealth.com/events] Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com [https://www.laserfund.com] Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

How Valuable Is Tax-Free Income With Rising Taxes? (Episode 61)

In this episode, Doug Andrew and the 93 Million panel explain how the national debt, rising taxes, and retirement planning are interconnected. They discuss the potential impact of increased tax rates on IRA and 401k withdrawals, the comparison between tax-free and taxable retirement income, and the benefits of Indexed Universal Life in reducing taxes, and more. The episode provides insights into tax-free retirement, IUL vs IRA, retirement income strategy, and the effects of higher taxes on your nest egg. This episode reveals: - Why national debt may lead to higher future taxes for retirees - How tax-free income can outperform taxable withdrawals in retirement - Why IRA, 401k, Medicare, and inheritance rules can create hidden stress - How IUL strategies are presented as a way to reduce taxes and volatility Timestamps: 00:00:00 - Tax-free retirement explained 00:01:02 - Taxes on retirement planning 00:03:17 - National debt threatens savers 00:06:04 - Escape the tax trap 00:10:29 - IUL strategy overview 00:11:43 - Why 100K needs more 00:16:00 - Taxes drain retirement faster 00:20:00 - Hidden Medicare and inheritance costs 00:23:00 - Pay taxes now 00:26:22 - Fund your IUL now ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted [https://3dimensionalwealth.com/getstarted] Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events [https://3dimensionalwealth.com/events] Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com [https://www.laserfund.com] Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

Choose Your Financial Path: IUL vs IRA, Real Estate & More (Episode 60)

Discover how a properly structured Indexed Universal Life (IUL) policy can create liquidity, reduce tax friction, and protect your financial plan when life gets unpredictable. In this episode, the team use a game-style format to compare IUL, IRA/401k plans, managed investments, bank savings, annuities, pensions, real estate, and business ownership across real-world scenarios like emergency surgery, expensive weddings, market crashes, unexpected death, and rising taxes. Learn how policy loans, accelerated death benefits, tax-free access, and downside protection are positioned against capital gains taxes, retirement plan penalties, illiquid real estate, and reduced retirement income. This episode reveals: - Why IUL is presented as the most flexible option for emergencies and opportunities - How IRA and 401k withdrawals can trigger taxes, penalties, and retirement setbacks - Why market crashes, death benefits, and future tax hikes can change your financial path Whether you care most about tax-free retirement income, wealth protection, legacy planning, or fast access to cash, this episode shows how different assets perform when timing, flexibility, and control matter most. Timestamps: 00:00:00 — Choose your financial path 00:03:49 — Emergency surgery scenario 00:12:46 — Expensive wedding scenario 00:23:52 — Market crash scenario 00:26:42 — Real estate scenario 00:31:20 — Unexpected death scenario 00:34:10 — Rising taxes 00:38:21 — Final lesson ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted [https://3dimensionalwealth.com/getstarted] Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events [https://3dimensionalwealth.com/events] Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com [https://www.laserfund.com] Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------