When planning for retirement, choosing between Indexed Universal Life (IUL) insurance and annuities can be challenging. IUL offers market-based cash value growth with a life insurance component, while annuities provide guaranteed income to ensure financial security in retirement. This article covers their tax benefits, risk levels, and potential drawbacks, particularly for federal emp... https://www.federalpensionadvisors.com/post/iul-vs-annuity