Children Policies, Collegue (Future) Funds Planning

An Indexed Universal Life (IUL) policy for a child is a smart way to secure their financial future while providing lifelong protection. Unlike traditional life insurance, an IUL builds cash value that grows over time based on the performance of a market index, such as the S&P 500. This allows the policy to earn interest from market gains while being protected from losses during market downturns.

Starting an IUL early for a child means the policy has decades to grow, creating significant cash value by adulthood. This accumulated cash can later be accessed tax-free through loans or withdrawals to help pay for college, buy a first home, start a business, or even supplement retirement income. Because premiums are typically lower for young, healthy children, it’s an affordable way to lock in lifelong coverage at a minimal cost.

The policy’s cash value grows tax-deferred, meaning no taxes are paid on the growth while it remains in the policy. Over time, this makes it an excellent long-term savings and investment vehicle.

An IUL for a child provides peace of mind, financial flexibility, and a lasting gift of security—helping them start adulthood with both protection and a foundation for financial success.