financialsecurity

IUL vs. 401(k): A Smarter Way to Grow Wealth Without Taking Unnecessary Risk

For decades, the 401(k) has been promoted as the default retirement strategy for working Americans. While it does offer tax advantages and employer matching, many people don’t realize the hidden risks, restrictions, and opportunity costs tied to relying on a 401(k) alone. Indexed

January 19, 2026 · 5 min read