A secure retirement plan may include Indexed Universal Life (IUL) policies or annuities. An IUL offers life insurance protection with a savings component that builds value based on market performance. While it provides tax-deferred growth, there may be limits on returns. Annuities focus on ensuring a steady income, making them an attractive option for financial stability. However, the... https://www.federalpensionadvisors.com/post/iul-vs-annuity