My IUL Story

Carrying on Their Legacy – Turning Inheritances Into Lasting Security With IUL

 

Bradley first met Doug Andrew when he was a child. His grandmother, who had a properly structured, maximum-funded Indexed Universal Life (what we call an IUL LASER Fund), brought him along to her annual review.

While he doesn’t remember many of the details other than the nice, professional guys he met and the impressive library, the impression stuck.

So did his grandmother’s advice. Because when his beloved grandmother eventually passed away and he inherited her death benefit, he knew right where he wanted to put it: back into a new IUL LASER Fund.

A fan of IUL’s safety, predictable rates of return, and tax-free advantages, he has since opened two more IUL LASER Funds and now owns a total of three IUL policies.

We sat down with Bradley to learn more about his IUL story.

 

3DW: What convinced you to choose IUL?

Bradley: My grandma told me a little about where she had her money, and how it was really working for her. She even passed along Doug’s thick book, “Missed Fortune,” and I’ve since read some of the others.

The books helped cure my skepticism, because the majority of people told me to use 401(k)s, the stock market, day trading…but I saw people gaining and losing money like crazy.

When I inherited the death benefit, it was income-tax-free. And I knew I wanted to keep it tax-free.

3DW: What’s your favorite feature of IUL?

Bradley: Keeping my money tax-free has been way more beneficial than I realized. I thought it was a great idea, because taxes mean having less of your money.

But now that I’m watching the money grow tax-free, it’s more money than I’ve ever imagined I’d have.

 

3DW: How do you plan on using your IUL policies?

Bradley: I haven’t had the need to use my IULs yet, but I own A-G Body, a custom tool box and bolt bin company here in Salt Lake.

I’m thinking of using one of my IULs for working capital to build a new building for the company. And eventually, I’ll use my IULs when I retire.

 

3DW: How has having IUL policies impacted your life so far?

Bradley: I have reliable financial security now. It doesn’t feel real. I pinch myself — it almost makes me emotional, like I’m talking about somebody else. I want this for everybody.

 

3DW: What have you appreciated about working with the 3 Dimensional Wealth and LASER Financial teams?

Bradley: Since losing my grandma and parents, the team makes me feel like I still have a family. The level of professionalism and help along the way has been top-tier. In between annual reviews, I can even text Doug for business or life advice, and he’s there for me.

 

3DW: What do you like to do in your spare time?

Bradley: I go on walks and hike with my akita, Ryu. He’s with me all the time – even comes to work with me. I also do some martial arts and like to play the guitar.

 

3DW: We asked the team what it’s like helping Bradley build a bright financial future.

Doug: I’ve been impressed with Bradley — he was still in his 30s when he faced the heavy burden of taking on his parents’ business and assets after they passed away. Many young people would squander that kind of windfall, but Bradley has been so disciplined. He read up on IUL before starting his own policies, has filled up two policies, and is already working on his third.

He’s built a home of his own, has been conservative with his own salary, and is generous to his employees. He’s dedicated to preserving the legacy his parents left behind at A-G Body and is already proving adept at expanding the company’s mission. He asks great questions and is going to have an incredible future because he follows through on his goals. I have complete admiration for him and the legacy he will ultimately leave behind.

 

> Want to open your first IUL? Or ready to open another one? Connect with a Certified IUL Professional — click here to get started.

> To read this article in the Winter 2026 issue of “3 Dimensional Wealth Living” magazine — click here.