Tax-free Retirement - If you are depending on a 401k alone to provide your retirement funding, you are missing out near the safety and flexibility found in IUL. If you decide to retire before you are 59 1/2 years old, you can access your savings from your IUL without having to pay a penalty or income tax as you would with your 401k. In the last stock trading game crash in 2008, you would have been very disappointed if you were just about ready to retire when the market dropped, and your particular 401k bit the dust. People that were using an IUL as his or her retirement vehicle, would not have suffered any loss, and must have retired on schedule. They might have preserved their wealth without risk.
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