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Borrow From Yourself, Not the Bank — IUL 101
Most people are trained to chase a loan before they build a plan. This episode flips the script. We unpack how a properly structured Indexed Universal Life (IUL) policy can become your personal capital reservoir—so you can fund opportunities, handle emergencies, and keep momentum without begging a bank for permission.
Two guest hosts walk through the mechanics in plain English: how cash value grows, what “zero is the hero” really means, and how policy loans work behind the scenes. We get practical about design (funding, costs, guardrails) and confront the big questions: IUL vs. 401(k), IUL vs. 529, and when an IUL is the right tool (and when it’s not). Strong opinions, no hype—just strategy, math, and control.
In this episode, you’ll learn:
- What an IUL is—and how it can grow cash value with downside protection
- The real meaning of “borrow against” your policy (not from it) and why that matters
- How “zero is the hero” works during market volatility
- The difference between participating loans and fixed loans (pros/cons)
- IUL vs. 401(k): liquidity, taxes, sequence-of-returns risk, and control
- IUL vs. 529: flexibility, ownership, financial-aid impact, and multi-purpose use
- Smart policy design basics: funding levels, costs, riders, and timelines
- Common mistakes to avoid (underfunding, over-loaning, chasing illustrations)
Who this is for:
Entrepreneurs, high-initiative professionals, and families who want liquidity, protection, and the ability to say yes to opportunities on their own timeline.
Why it matters:
Wealth isn’t just rate of return—it’s control. An IUL, designed correctly, can be an “envelope that earns,” letting you access capital while your cash value keeps working.
Resources & Next Steps:
- Go to www.WealthExplosion.org
- Book a strategy call to see if an IUL fits your situation and goals.
- Share this episode with someone who keeps hitting bank roadblocks.
- Purchase the book, Become Your Own Bank by T. Ray Greer, Jr.
Disclaimer:
This episode is educational and not individual advice. IUL suitability depends on your goals, health, time horizon, and funding capacity. Consult a licensed professional before implementing any strategy.
Ready to stop asking for permission and start financing your future on your terms? Press play.
If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.
🎧 For more resources, visit www.wealthexplosion.org
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