The MPI Account: Is This Our  Golden Ticket?

An MPI (Maximum Premium Indexing) account combines life insurance and a retirement plan. It's pitched as having the ability to compound your wealth at a higher-than-average rate while protecting your principal, eventually providing long-term tax-free retirement income, and then passing on the wealth tax-free to your heirs.

In this post, I will explain the basics of the MPI plan. Then I'll discuss the issues with IULs and how MPI proposes to solve those issues. Finally, I will also run through how MPI accounts work and the pros and cons of the MPI account.

What is an MPI Account?

MPI stands for Maximum Premium Indexing, or, in layman's terms, a financial strategy that “could generate lots of money for you.” More specifically, though, it's a combination approach that provides life insurance and acts as a retirement planning vehicle simultaneously.

MPI takes the features of an indexed universal life insurance contract and attempts to bolster them and create new benefits. Curtis sometimes calls it IUL 2.0. See him explain it here.

The very idea of combining life insurance and investing is something many financial “experts” say you shouldn't do. But conventional wisdom isn't always sound. Often it's just easy to repeat what most people say because you won't look bad if things don't go well!

The selling points of MPI from an investment perspective

MPI accounts work by using a mix of stock market growth, leverage, and capital preservation. Let's break it down a bit more.


An MPI secure compound interest account grows in line with the S&P500 index. However, the MPI account (via the terms of the IUL) has a floor of 0%, which means that even if the S&P500 crashes by 30% in one year, you won't lose anything!

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