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.

retirement planning

Your Life Insurance Policy Is Doing One Job. It Could Be Doing Four.

Michael Trefel

Published on: 03/06/2026

Most people pay life insurance premiums and never think about what that money is doing while they are alive. This post breaks down the cash value strategy that turns a permanent policy into a tax-advantaged financial engine.

Index Universal Life Insurance

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.

Index Universal Life Insurance