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[Music] hey folks welcome to Oregon cash flow Pro my name is James barber and Im here to help you maximize your cash flow Ive been having a really good email exchange of somebody and were talking about index universal life policies and illustrations and there was a lot of really good questions asked and some good information youre gonna get a lot of value out of it so stick around orange and cash flow Pro offers free money management advice to help you take control of your finances and now heres your host personal finance enthusiast and licensed insurance brokers James Barbour first lets go over his initial email after I sent him a couple of indexed universal life illustrations one of them with a decent design and one of them with an optimized cash value design he writes the optimized cash body design is much better the cash value and the death benefit were way too far apart in the first design which accelerates costs more during old age its exactly right there these are the few
