Book Synopsis
A former pro basketball player turned financial educator breaks down Indexed Universal Life Insurance (IUL) piece by piece: how index crediting actually works (floors, caps, participation rates, spreads), where premium dollars go after charges, how cash value and taxes interact, and how policy loans can help a retirement strategy or quietly wreck it. Using recurring basketball coaching analogies, the book also tackles funding design, the MEC rules, and an unflinching chapter on what can go wrong, then candidly addresses who should, and shouldn't, own one. Rather than selling a product, it insists on understanding one: separating guaranteed values from projections, and marketing claims from what a contract actually promises. It closes by zooming out to a complete financial framework, Protection, Accumulation, Distribution, and Legacy, arguing no single product should ever be someone's entire strategy. Part memoir, part product manual, part case for financial literacy, built for readers who want to know what they own before they buy it.