Federal employees planning for retirement may consider Indexed Universal Life (IUL) policies and annuities to secure their future. An IUL provides both a death benefit and potential cash value growth linked to market performance. While it offers tax advantages, it can have complex structures and fees. Annuities guarantee a steady income stream, making them a reliable choice for financ... https://www.federalpensionadvisors.com/post/iul-vs-annuity