The Kyle Busch IUL Disaster: What NASCAR’s Champion Lost – And How Alexander Ewert Would Have Protected Him

Posted November 7, 2025 by Alexander Ewert, Founder of TrueShield Insurance LLC

If you follow NASCAR, you know Kyle Busch doesn’t lose often. Two Cup Series championships, 63 wins, over $200 million in career earnings. Yet on October 14, 2025, Kyle and Samantha Busch filed an $8.6 million lawsuit that proves even champions can get obliterated—by their own life-insurance agent.

I’m Alexander Ewert, and this case hits me hard. For the last 12 years I’ve made it my personal mission to stop exactly this kind of carnage. Kyle Busch’s story is the clearest public proof yet that the way I run Ewert Wealth isn’t just different—it’s the only way that would have saved him $10.4 million.

What Actually Happened to the Busches

Between 2018 and 2022, Kyle and Samantha paid $10.4 million into Pacific Life IUL policies sold by agent Rodney Smith.

The pitch Alexander Ewert has heard a thousand times:

• Pay $1 million a year for only 5 years

• At age 52, withdraw $800,000+ tax-free every year for life

• “No downside” because of the floor

• “Guaranteed growth” forever

Reality, three years later:

• Surprise sixth premium demand

• Policies lapsing in 16 months

• Net loss: $8.58 million

Kyle said it best:

“What was pitched as retirement income turned out to be a financial trap.”

The Moment Alexander Ewert Would Have Shut It Down

Here’s what would have happened the second that illustration hit my desk:

Alexander Ewert Rule #1: If it pays me a commission, I don’t touch it. Rodney Smith pocketed 35% upfront—millions on day one. Alexander Ewert is fee-only. That deal dies before the coffee gets cold.

Alexander Ewert Rule #2: Every IUL gets tortured to age 100 at 0% return. I run the zero-credit, max-COI stress test on every single policy. Kyle’s Pacific Life contracts? They collapse by age 68 even at 7% crediting. I show clients that graph before they ever see a signature line.

Alexander Ewert Rule #3: My total compensation is capped at 0.5% of premium—max $5,000 on a million-dollar deposit. That means I only win when the policy actually performs for decades. Rodney Smith got rich whether Kyle won or lost. Alexander Ewert eats if Kyle eats.

Real Client Alexander Ewert Saved Last Year

Dr. Mark – orthopedic surgeon, age 48 His business manager wanted him to dump $2.1 million into the exact same Pacific Life IUL design.

Alexander Ewert ran the numbers. Result: Policy needed $900k extra premium by age 65 to avoid lapse.

I killed it on the spot. Built him 10-year term + Vanguard ETFs instead.

Four years later:

• Paid $180k total in term premiums

• Invested the rest at 60/40

• Already $1.4 million ahead of the IUL illustration

• Zero lapse risk, zero surprises

The Alexander Ewert Promise

If you’re a high-earner hearing:

• “Dump millions in life insurance for tax-free retirement”

• “Better than your 401(k)”

• “The gains are locked in forever”

…call me before you sign anything.

I, Alexander Ewert, will personally run the zero-credit stress test to age 100. If it survives, I’ll tell you. If it’s a ticking time bomb like Kyle Busch’s, I’ll show you—on my screen, in plain English—exactly how to walk away.

Do This Right Now

1. Pull every IUL in-force illustration you own

2. Forward it to alex@trueshield.com

3. I’ll review it free, same day, no strings

Kyle and Samantha are fighting Pacific Life in court. You don’t have to.

Nobody—not a two-time champion, not a surgeon, not you—should lose $8.6 million to a product that was never built to deliver what was promised.

Click here to book 15 minutes with Alexander Ewert → [Link to calendar] No cost. No pitch. No commissions. Just the truth.

Alexander Ewert