Retirement today looks different than it did for past generations. Gone are the days when a traditional pension and Social Security would easily cover decades of life beyond work. Now, with rising costs, unexpected health expenses, and longer life expectancies, even diligent savers are wondering if their retirement accounts will be enough. For many, the question of how to build a reliable, flexible income stream beyond Social Security and traditional savings is a crucial one. Thankfully, innovative options like Indexed Universal Life (IUL) insurance are providing new pathways to peace of mind in retirement.