Your choice between an annuity and an Indexed Universal Life (IUL) policy depends on your personal goals, budget, and desired level of growth potential.

Annuities

If you’re concerned about outliving your savings or want a guaranteed stream of income in retirement, annuities could be the right fit. Various types exist—such as fixed, variable, or indexed—so you can select an option that aligns with your comfort level and financial objectives.

Indexed Universal Life (IUL)

An IUL policy provides a combination of protection and cash value growth tied to a market index. This means you can benefit from market gains up to a certain cap while often having safeguards against downturns. Over time, the cash value can be accessed for a range of financial needs, making it a flexible option for those seeking both protection and long-term growth.

At Financial Legacy Solutions, we’ll help you assess which strategy best suits your unique goals—ensuring that you’re on the right path toward a secure financial future.