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hello dr dolly i am a hospital employed anesthesiologist three years out of residency working for a large private not-for-profit hospital system in the southeast i currently max out our hospitals 403b and 457 plans have a 401a contribution from my institution and max out my roth ira our new ceo recently championed and introduced a new retirement plan option based on a split dollar life insurance loan regime plan he had at his prior job the underlying product this plan is using is a fixed index universal life policy i have read extensively on your site about the perils and disadvantages of fiuls however since this plan is being administered through my institution its structure is different than that of commercially available fiuls in that my hospital system decreases my salary to the amount i select and then places that amount as a pre-tax loan plus a 15 match on top to cover the majority of insurance and death benefit expenses while i understand the annualized returns on this product a