Private banking strategies like The Double Play require a maximum over-funded life insurance policy to get the most benefit. Not every "over-funded" policy is funded right up to the legal Maximum (Minimum non-MEC). The best way to know that your policy design is funded right to the minimum non-MEC threshold is to look at the ratio of the cash value to the premium in the first policy year of your Illustration. If it is not 85-90%, then the policy is likely not designed right.
life insurance retirement plan explained
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