Скачать или смотреть How Max Funded IULs Break — And How High Earners Structure Them Correctly

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This video explains why max-funded IULs fail due to structure and IRS pacing rules—not returns, and how §§7702 and 7702A determine whether tax-free access survives for high earners.

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Why Max-Funded IULs Quietly Break for High Earners

Most high earners think max-funded IULs break because of returns.

They don’t.

They break because of structure — and the higher your income, the easier it is to cross invisible IRS lines that quietly turn tax-free access into taxable money.

In this episode, I explain why:
“Max-funded” does not mean “stuffed with cash”
IRS §§7702 and 7702A pacing rules matter more than performance
The 7-Pay Test silently determines whether your future income is usable
Strong income years are often what permanently break policies
Disciplined funding creates liquidity without asking permission

You’ll also see a real-world case study of a business owner who used structure — not speed — to build predictable, tax-managed access over time.

This isn’t about growth projections.
It’s about survivability.

What You’ll Learn:
Why max-funded IULs fail quietly, not dramatically
How IRS pacing rules punish speed, not intent
Why “great years” often cause permanent tax damage
How the 7-Pay Test actually works in real life
Why liquidity matters before retirement
How disciplined funding produces usable access, not just balances

Key takeaway:
It’s not about how much you fund.
It’s about how long the structure can survive.

If you rely on variable income, bonuses, or uneven cash flow, this episode explains why discipline without structure still fails.

⏱ TIMESTAMPS / CHAPTERS

0:00 · Why max-funded IULs quietly break
0:30 · Structure beats returns every time
1:15 · The IRS lines no one shows you
2:45 · How speed creates permanent damage
3:30 · When liquidity actually matters
4:45 · The 7-Pay Test explained simply
6:00 · What disciplined funding produced
7:30 · Income doesn’t equal freedom

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#MEC #TaxFreeIncome
#WealthStructure #HighEarners
#LiquidityPlanning #EntrepreneurFinance

Disclaimer:
This video is for educational purposes only and does not constitute financial, tax, or legal advice. Indexed Universal Life (IUL) insurance is a life insurance product, not an investment. Results vary by individual circumstances, carrier, and policy design. Always consult a licensed advisor and tax professional before making financial decisions. Hypothetical examples are not guarantees of future performance.