Guides & Resources

Plain-English answers, written to inform — not to pressure.

• What Is a 7702 Plan? The Complete, Honest Answer

  The truth about 7702 plans — what IRC Section 7702 actually says, why the nickname exists, how the strategy works, and the marketing claims to ignore.

• Max-Funded IUL: Why Funding Level Changes Everything

  Max-funded indexed universal life explained — minimum death benefit design, MEC limits, why funding level decides IUL outcomes, and design red flags.

• 7702 Plan vs. 401(k): The Real Comparison

  A side-by-side of 7702 life insurance strategies and 401(k) plans — taxes now vs later, matches, fees, access, and the right order to fund them.

• What Is Section 7702? The Tax Code Behind the "7702 Plan"

  Section 7702 of the tax code defines what counts as life insurance — and gives cash value policies their tax treatment. What it says in plain English.

• Seven Red Flags in a "7702 Plan" Pitch

  The 7702 strategy is legitimate — some of its sales pitches are not. Seven warning signs that a presentation is selling hype, and the questions that expose them.

• What Is a MEC? The Line Every 7702 Strategy Must Not Cross

  Fund a life insurance policy too fast and it becomes a modified endowment contract — losing the tax treatment the whole strategy depends on. How MECs work.