🚨 THE MARKET DROPS 20%. YOUR INDEX CREDIT IS 0%. THEN YOU RESET. This is one of the coolest parts of a properly designed IUL. Warren Buffett's famous rule: Rule #1: Never lose money. Rule #2: Never forget Rule #1. Here's a simple example 👇 You have $100,000 of cash value allocated to an index strategy. 📈 Year 1: S&P goes up 14% Let's say your cap is 9%. You get credited 9% → $109,000. 🔒 That index credit is locked in. Now Year 2... 📉 S&P drops 20%. Your index credit? 0%. Not -20%. IMPORTANT: The policy still has insurance costs and fees, so your actual cash value can decrease some even with a 0% index credit. But you didn't take the -20% index hit. Then your index segment RESETS. If the market goes back up, you can potentially start earning positive credits again without first recovering a -20% index credit inside the policy. 🔥 GAIN → LOCK → FLOOR → RESET → REPEAT And it gets better. Depending on the carrier, you can have different strategies using: 📈 Caps 📈 Participation rates 📈 Volatility-controlled indexes 📈 Multipliers Some illustrations may show long-term results in the 5%, 6%, 7%+ range, depending on the policy and assumptions. These aren't guaranteed returns. But growth is only part of why I love these. A properly structured policy can potentially help you: 💰 GROW money tax-deferred 🏦 ACCESS money through properly managed withdrawals/policy loans ❤️ PASS a generally income-tax-free death benefit to your family All while providing life insurance protection. And I'm NOT saying replace your 401(k). Take advantage of a good employer match. This can simply be another bucket. You can even look at repositioning some money you're already saving into it. Want to see what YOUR numbers could look like? I'll personally build an illustration showing your projected: 10 YEAR → 20 YEAR → 30 YEAR And show you cash value, potential income, policy loans, costs, and death benefit. 👇 Comment NUMBERS for the free guide. Or book a free 1-on-1 consultation with me and we'll build your numbers together, these are the only calls I personally take myself.