AICPA Personal Financial Planning (PFP) AICPA Personal Financial Planning (PFP)

The IUL Experiment with Andy Panko

Jul 10, 2026 · 27m

Summary

Host Carrie Sinet interviews Andy Panco, creator of the IUL Experiment, to demystify indexed universal life insurance. Panco shares insights from his personal policy, highlighting high early fees, market participation caps, and the risks of policy loans. He advises planners to verify a genuine need for permanent life insurance before considering IULs as retirement tools.

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