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hey whats up guys TJ Houston with Spanglish Financial Group today were going to be going over how an iul Works an index universal life um you might have heard of it you might have not what I really like about these products is youre able to grow a tax-free retirement fund inside a life insurance program and how that works is theres laws set in place to where you can actually shelter a retirement fund inside the life insurance program right Im going to show you guys exactly how that works today were going to go over an example of a 36 year old male and so right in the earlier years you have family you dont have a lot of money um youre looking to save money right and so its important that you have that extra protection that way if something does happen to you your family is taken care of right your your wife or your kids or whatever it is while youre building that wealth and so in the earlier years you need that coverage and so for the next 30 Years were just going to give an