Indexed Universal Life (IUL) policies and annuities are two financial instruments that help individuals prepare for retirement. An IUL combines life insurance with an investment element, allowing cash value to grow based on stock market indexes. While offering tax advantages, it may also come with limitations on earnings. Annuities prioritize providing a predictable income stream, mak... https://www.federalpensionadvisors.com/post/iul-vs-annuity