IUL vs FIA! 🤔

IUL vs FIA — what’s the difference? 🤔

They’re often confused, but they serve different roles in a smart plan.

IUL (Indexed Universal Life) 🛡️💰
• Life insurance first (death benefit)
• Can include living benefits
• Cash value grows with index-linked potential
• 0% floor against market losses
• Flexible funding (no IRS contribution limits like retirement accounts)
• Often used for after-tax money + supplemental retirement income

FIA (Fixed Indexed Annuity) 📊🔒
• Not life insurance — it’s a retirement income tool
• Typically funded with old 401(k)s, IRAs, 403(b)s, TSPs
• Principal protected from market losses
• Index-linked growth potential
• Designed to create predictable lifetime income
• Tax-deferred growth

What they have in common 🤝
• Protection from market losses (0% floor)
• Growth tied to an index (not directly invested)
• Built for long-term planning, not speculation
• Focus on consistency over volatility

One helps you build and access money efficiently.
The other helps you turn saved money into income you can’t outlive.

Comment BANK or click the link in my bio to learn more.

Educational purposes only. Indexed Universal Life insurance and Fixed Indexed Annuities are insurance products, not direct market investments. Policy features, guarantees, caps, participation rates, fees, and income options vary by carrier and state. Tax treatment depends on individual circumstances and may change. Policy loans and withdrawals reduce values and may have tax consequences.

Видео IUL vs FIA! 🤔 канала Aaron Phein