00:00 Let's say you want to grow $300 a month over 25 years for retirement.

00:05 Both a regular investment and an IUL can do that, but an IUL is different in four ways.

00:10 Let's break it down.

00:11 Here's how.

00:12 First, an IUL isn't invested in stocks.

00:15 It grows by gaining credited interest based on market performance.

00:19 That growth could be as much as 8.5%, and the gains are tax deferred.

00:24 Second, your money is protected by a 0% floor, so your contribution is never exposed to market-based

00:29 loss.

00:30 Third, you can access funds tax-free for anything with a loan of 85-90% of your total

00:37 cash value.

00:38 That's contribution plus any gains, and that total cash value is kept open for gains during

00:43 the loan, and there's no repayment term.

00:45 Finally, an IUL is a life insurance policy, so in a death event, the policy benefit is

00:50 typically distributed tax-free.

00:53 Ethos is able to offer instant approvals instead of it taking weeks, so if you're interested

00:57 in an IUL, check with Ethos.