IUL vs Whole Life, Sequence of Returns, Sequence of Returns, And Indexing 101 (Episode 29)

2025-09-04

Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes.Uncover how IUL’s zero-percent floor, lock-in, and annual reset preserve what you’ve built from market downturns—then capture growth. See why sequence of returns devastates “average return” plans and how indexing reframes the math in your favor.

Uncover how IUL’s zero-percent floor, lock-in, and annual reset preserve what you’ve built from market downturns—then capture growth. See why sequence of returns devastates “average return” plans and how indexing reframes the math in your favor.

This episode reveals:

- The math behind drawdowns—and why zero can be a hero

- How IUL vs Whole Life compares on IRR, costs, and tax-free income

- Real-world rebound years after crashes and what “reset” really means

If you want tax advantages, compounding, and peace of mind, the L.A.S.E.R. Fund framework can transform your future.

Timestamps:

00:00:00 — The villainy of volatility and why zero can win

00:01:22 — 2008 crash truth: rebounds don’t erase drawdowns

00:03:28 — Losses need bigger gains: the compounding reality check

00:05:40 — Sequence of returns risk ruins “average return” plans

00:07:42 — Don’t lose money: protect first, then pursue gains

00:09:28 — Indexing 101: zero floor, caps, and annual reset