Indexed Universal Life — cash value grows tax-free; withdraw as loans.
IUL policies credit interest based on an index (S&P 500) with a 0% floor and 8–12% cap. Max-fund the policy (up to MEC limit) for 5–7 years; after year 15+, take tax-free policy loans for income. Distinct from whole-life 'infinite banking' — higher upside, market-linked. Fees are significant; must be properly structured (min death benefit, max cash).
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Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.