Compare retirement and life insurance strategies

These guides compare indexed universal life insurance against the two most common tax-advantaged retirement accounts, dimension by dimension. Each one states plainly where the 401(k) or Roth IRA is the better answer, what an IUL actually costs, and the conditions attached to the phrase “tax-free.” Every contribution limit and tax rule is sourced to the IRS for the current tax year.

• IUL vs 401(k)

  A side-by-side comparison of indexed universal life and a 401(k) across tax treatment, contribution limits, required minimum distributions, fees, employer match, market protection and death benefits — including where the 401(k) is plainly the better answer.

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• IUL vs Roth IRA

  How indexed universal life compares with a Roth IRA on contribution limits, income phase-outs, costs, market protection and what heirs receive — plus the three routes high earners still have into a Roth before insurance is worth considering.

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