Post by Torres Wealth Partners

Don’t trigger a MEC. Structure matters. When it comes to Indexed Universal Life (IUL), most people focus on the product — but overlook the structure behind it. And that’s where mistakes happen. A policy that is not properly funded can unintentionally become a 👉 Modified Endowment Contract (MEC) — changing how the policy is taxed and accessed. When structured correctly, an IUL can offer: ✔ Long-term cash value growth ✔ Tax-advantaged access to funds ✔ Financial protection for families and businesses But there are clear funding limits and guidelines that must be followed. In this video, we break down: 🔹 What a MEC is 🔹 Why it matters 🔹 How to fund a policy properly to preserve its advantages Because it’s not just about having coverage — it’s about designing it correctly from the start. 📩 If you’d like to understand how this applies to your situation, feel free to reach out. This content is for educational purposes only and should not be considered financial or tax advice. #TorresWealthPartners #IUL #LifeInsurance #WealthStrategy #FinancialEducation #TaxAdvantaged #CashValue #FinancialPlanning #RiskManagement #GenerationalWealth #InsuranceSolutions https://lnkd.in/eCeDH8CK