86 • MARTIN H. RUBY
Brief and to the Point This is a pretty short chapter. I know I don’t have to sell you on the benefits of saving tax-free rather than tax-deferred. We took care of that in Chapter Five. So I’ll just say this: protecting against risk is all about protecting against the worst-case scenario. When saving for retirement, the worst case is paying more in taxes than you have to. IUL is a ster- ling way to eliminate as much of your tax risk as possible. Accomplishing Rule # 2 Remember the second New Rule of Retirement Saving: Choose a Strategy That Addresses Your Risks. In the past few chapters, we’ve talked about eliminating struc- tural risk with a plan that’s flexible and self-completing. We’ve talked about eliminating market risk, through the power of index- ing. And we’ve talked about eliminating tax risk through tax-free income in retirement. IUL can eliminate all this risk. It’s pretty amazing, right? Maybe . . . too amazing?
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