Financial planning for retirement often involves choosing between Indexed Universal Life (IUL) policies and annuities. IULs provide insurance protection along with potential cash value growth tied to stock market performance. While these policies offer tax benefits, they also have cost considerations and return caps. Annuities, on the other hand, are designed to provide reliable incom... https://www.federalpensionadvisors.com/post/iul-vs-annuity