70 • MARTIN H. RUBY
As I picked apart an IUL policy to understand how it could be used for savings, I discovered I could check off all the priorities on my daughter’s list of retirement savings goals. That’s because IUL delivers three benefits that no other savings vehicle does: • Tax-free income in retirement • The power of indexing to grow your funds • A death benefit to make your plan self-completing We’ll look at each of these benefits in depth over the next few chapters. Be Your Own Detective One thing I encourage my clients to do is be their own detec- tive. That means asking lots of questions that drill down to one answer: Does what I’m hearing bring value to me? Now, it’s a little hard to raise your hand and ask a question while reading a book. But I know you’re smart, and I know you want to do the right thing for your future. Otherwise, why would you be reading a book on saving? So as I walk you through the benefits of this savings approach, take a moment to see if they solve some of the risks in your own savings plan. I think you’ll be surprised.
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