Choosing between an Indexed Universal Life (IUL) policy and an annuity is a key decision for retirement planning. An IUL offers life insurance coverage with a cash value component that grows based on stock market performance, providing tax advantages and flexible premiums. However, it may come with caps on returns and higher fees. Annuities, on the other hand, are designed to provide ... https://www.federalpensionadvisors.com/post/iul-vs-annuity