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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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.

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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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