It’s a smart way to create a million-dollar legacy for your child or grandchild using a properly structured Indexed Universal Life (IUL) insurance policy that grows tax-free, provides protection, and builds wealth over time.

You can start for as little as $50 to $100 a month, depending on the child’s age and your long-term goals. The earlier you start, the more powerful the compounding effect.

It’s both. An IUL is a permanent life insurance policy that also builds cash value, which grows tax-deferred and can be accessed tax-free for education, a home, or even retirement.

Unlike a 529 plan, the IUL gives your child flexibility. The money can be used for anything, not just education and it won’t count against financial aid eligibility. Plus, the cash value can continue growing for life.

The policy is backed by the insurance company. If something happens to you, your child is still protected, and options exist to continue funding the policy through its own growth.

A savings account might earn 1% or less. An IUL can track market indexes and earn up to 9–12%, all while protecting your money from losses due to market downturns.

Yes — when structured right, the child can access tax-free income later in life for college, buying a home, starting a business, or even retirement income.

No. An IUL offers downside protection, meaning your cash value never goes backward due to market losses — unlike stocks or mutual funds.

The life insurance benefit pays out tax-free to the designated beneficiary, creating a lasting financial legacy — even in the worst-case scenario.

Book a free consultation with our licensed advisor. We’ll walk you through a customized plan based on your budget and family goals — no pressure, no obligation.