Annuity vs IUL: They Are Not Competing. They Are Cooperating.

Michael Trefel

Published on: 22/07/2026

Most comparisons of annuity vs IUL try to pick a winner. That is the wrong question. These two products serve different jobs in a retirement plan. This post clarifies which job each one does and how they work together.

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IUL Pros and Cons: Why the Critics Are Aiming at the Wrong Target

Michael Trefel

Published on: 05/05/2026

IUL pros and cons: the real story is about structure, not product. Here is what most advisors miss.

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