Strategies
The eight IUL strategies we structure.
IUL is a chassis. The strategy is what makes it work for a specific situation: accumulation, retirement income, executive comp, business continuity, or estate liquidity. Each page below explains the structure, the tax treatment, when it fits, and where it breaks.
- Premium-financed IULBorrow at institutional rates to fund a max-funded IUL. Structured conservatively with rate stress-testing and a clear exit plan.
- Max-funded IULFund to the MEC ceiling under IRC §7702A: maximum tax-advantaged cash value, minimum death benefit. The core accumulation play.
- Life insurance retirement plan (LIRP)Use a max-funded IUL as a supplemental, tax-diversified retirement bucket. Tax-free policy loans under §72 fund retirement spending.
- Infinite banking conceptUse a high-cash-value policy as a personal banking system. Honest tradeoffs on the loan-wash math.
- §162 executive bonus planOwner-funded executive comp via bonus-paid life insurance premiums. Tax-deductible to the business; treated as wages to the executive.
- Split-dollar life insurancePremium-sharing arrangement between employer and key employee, or between related parties. Loan or economic-benefit regime.
- Key-person insuranceBusiness-owned policy on a key executive or founder. Funds business continuity and recruitment if an unexpected loss occurs.
- Buy-sell agreement fundingCross-purchase, redemption, or wait-and-see structures funded by life insurance. Orderly equity transfer at owner death or disability.