Unlock the truth about defined-benefit pensions, costly survivor benefits, and why a max-funded Indexed Universal Life (IUL) policy can give teachers, police, firefighters, and high-income earners flexibility, tax-free growth, and a lasting legacy. 00:00:00 – Why This Guide Matters 00:01:17 – Defined Benefit vs. Defined Contribution 00:02:21 – Pension Formula Example (2% Rule) 00:03:11 –…