Retirement planning often involves choosing between an Indexed Universal Life (IUL) policy and an annuity. IUL policies provide life insurance benefits with tax-deferred cash value growth based on market performance. While flexible, they can come with return limitations and additional costs. Annuities, by contrast, focus on ensuring predictable income in retirement. They provide finan... https://www.federalpensionadvisors.com/post/iul-vs-annuity