Planning for retirement often involves choosing between Indexed Universal Life (IUL) policies and annuities. An IUL provides life insurance coverage with a cash value that grows based on market performance, offering tax-deferred benefits and flexible premiums. However, it may have return limits and additional fees. Annuities, on the other hand, focus on delivering a steady income stre... https://www.federalpensionadvisors.com/post/iul-vs-annuity