IUL = THE IDEAL RETIREMENT VEHICLE!

. No Stock Market Loss

. Tax Free Growth

. Tax Free Distributions

. Great Rate of Return

.Extremely Safe (A+ or AA)

INDEXED UNIVERSAL LIFE INSURANCE

Contracts protect losses while offering some equity risk premium

Complicated policies and excessively high fees that eat away at returns significantly over time

IRA and 401(k)

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Does not offer the same downside protection, though there is no cap on returns.  Fees are lower than those that come with IUL, but taxes taken out when money is withdrawn