Comparisons
IUL, head-to-head.
Honest comparisons against the products people actually consider next to IUL. We show the math, the assumptions, and the cases where the other product is the better fit.
- IUL vs Roth IRABoth grow tax-free. Different contribution mechanics, contribution limits, and access rules. When IUL stacks on top of a maxed Roth.
- IUL vs 401(k)Pre-tax vs after-tax-then-tax-free, employer match math, and why IUL doesn't replace the 401(k), it sits next to it.
- IUL vs mega backdoor RothThe mega backdoor Roth is the closest direct competitor to max-funded IUL on tax mechanics. The differences are real and worth knowing.
- IUL vs whole lifeGuaranteed cash value vs indexed crediting. When the guarantee floor matters more than the upside cap.
- IUL vs VULVariable universal life has no floor and full equity exposure. Why we structure IUL more often than VUL for HNWI accumulation cases.
- IUL vs annuitiesDifferent products solving different problems: accumulation + protection vs guaranteed income. Where the line is drawn.
- IUL vs taxable brokerageEquity beta with annual tax drag vs capped, tax-deferred crediting. After-tax IRR comparison under realistic assumptions.