Scott and Mike discuss using an Indexed Universal Life insurance plan as a tool to solve the military retirement problem. They say the IUL provides more flexibility, options, and benefits compared to the government Survivor Benefit Plan. The IUL can provide liquidity and equity building while the service member is still alive, not just after they pass away. They educate on comparing the government and private sector options to determine which solution is better for the military member and their family. Ultimately, they say the private sector IUL solution is more beneficial in most cases as it gives the family more control and options for costs and outcomes.

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