I had an interview with a captive company. I was asking about insurance and retirement for 20-40 year olds. I asked this while near the end of the interview when I found out they most definitely do the Project 200 thing. The agency manager said that an IUL policy was superior--said it was "a Roth IRA on steroids." I couldn't get specifics out of him though when I asked how so. I don't think he meant having the policy within a Roth IRA, if that is even possible. So lets say one is putting in maximum contributions to a Roth every year ($6,000) from starting from age 25 into Vanguard Total Stock Market ETF (avg 7.31% since 2001 inception, 0.03% expense ratio). What makes a IUL better than a Roth with the above investment selection? As opposed to said individual buying a term policy and investing most into a Roth?