With volatility controlled indexing strategies and over 100%+ participation and dollar cost ave (12 buckets a year vs 1 bucket) smoothing out and further reducing the possibility of ever locking in a 0% in any giving year does using index loans to pay for premiums as leverage for the arbitrate play have a place for seekers of retirement income? Not banking not DB but striking retirement INCOME after A65 Hyper Funding or MPI(Maximum Premium Indexing) (a guy in AZ) claims he invented something that has been around for years....I call it the poor man's Premium Financing ... using loans to pay premiums. either partially or fully after let's say 3-4 years of using your own cash to fund the policy then leveraging the cash value avail to continue to pay the rest of the premiums to say A65 then switch to taking out loans as INCOME forever. Just wanted to know if anyone has ever ran the numbers and/or designed these types of policies before? How do carriers feel about it??? I would assume they would frown upon it but don't technically see how they could stop someone from doing it. obviously, a safer version than the 100% financed in year 4(see below) would be to use something less than the entire amount every year , almost like LTV with real estate i used 50k loans to pay 50k premiums (Below) but you could easily use 40k or 25k loans(more skin in the game) to pay 50k premiums that way your still adding outside dollars to the policy putting less stress requiring the policy to perform every year and also less roll compounding loan interest growing negatively. fyi when I say loans Im definitely talking about variable or index loans on a IUL policy.....not standard loans or even sugg. this could work with Par WL (maybe it could but sticking with IUL's for now) once again This kind of design is not for IBC or banking or talking out side loans before a65 other than to pay for the premium this is strictly a Retirement INCOME play using leverage I hope when i send this the example below doesnt get all smushed up but I got a feeling you guys probably get what im saying anyway n dont need an example any way any thoughts or does it sound like a good topic to do a deep dive for a podcast? ***is this not from any illustration i ran I made these numbers(BELOW) up on the fly its just a visual example Premium . Loan CV . Accum Value 40 50k . 0k 41 50K . 0K 42 50K . 0K 43 50k . 50K loan 95k 44 50k 50k . loan 98k 55 . 50k . 50k 165k . 65 50k 50k LOAN . 460k . 1.6 million . 66 0k 80k INCOME 67 0k . 80 k INCOME 85 0k . 80 k INCOME . 4 life! Yes I know there is risk for a blow-up, there is risk for a blow up without doing this if a IUL gets enough zeros and in underfunded, but most of the risk involves underfunding when a 0% happens if one is prepared to add more funds to cover most if not ALL expenses for that 0% year I think that would DRAMATICALLY reduce the risk ! Outside of that what are the IUL experts opinions about this concept?????????? for Sh*ts n Giggles fyi I ran this doing 1 million for 3 years(A45) then taking 1million loans for 17 more years(A65) n got $866k a year for life! under a 6% illustration rate the software said it would work ! if you die at age 85/86 the quick and dirty numbers are Invest/fund 3million A45 receive 17million+ A65-A85 (Income/loans) the policy never blows up it could go to a121!