See what a max-funded life insurance policy could build for your child, money that does not lose value in a market crash and can be used for anything. See your number first, no email required.
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This is a conservative estimate. Enter your info and Joseph will prepare a real, personalized illustration for your child's age and your budget, and walk you through how the tax-free college strategy works. No pressure, no spam.
For educational purposes only. Not a quote, an illustration, or an offer of insurance. Licensed agent will follow up.
Joseph will text or call shortly with a personalized illustration for your child and a simple walk-through of the plan.
Or book a 15 minute review nowThis tool shows a conservative educational estimate using assumed net growth after typical policy charges. It is life insurance, not an investment, and not a 529 plan. Indexed values are illustrated, not guaranteed, with a zero percent floor and a cap set by the carrier that can change. Policy loans and withdrawals reduce cash value and the death benefit and can cause a policy to lapse, which may be a taxable event. For educational purposes only. Not financial or tax advice. Consult a licensed professional.
Most families save for college in a 529 plan or a regular brokerage account. Those can work, but they share two weaknesses. A 529 can only be used for school, so the money can be wasted or penalized if a child does not go, and a brokerage account is fully exposed to the market in the very years you need it. A max-funded indexed universal life policy takes a different path. The cash value grows linked to an index with a zero percent floor, so a crash does not reduce the credited value, and the money can be used for anything, college or otherwise.
You fund the policy over time. When tuition comes due, instead of withdrawing the money, you can borrow against the cash value through a policy loan. The full balance can keep earning while the loan is outstanding, and the access is generally income tax free under current tax law. That is what people mean when they describe a policy that lets you be your own source of financing. It is a feature of the contract, not a bank, and loans reduce the cash value and death benefit and must be managed so the policy does not lapse.
Because the money is borrowed rather than spent down, a college plan built this way does not have to wipe out what you set aside for your own future. The same dollars can help with tuition and still be working toward retirement years later. The calculator above gives you a conservative starting estimate. The real numbers come from a personalized illustration for your child's age and your budget, which Joseph can prepare for you.
Educational information only. This is not financial, tax, or legal advice, and it is not a quote, an illustration, or an offer of insurance. Life insurance is not an investment and is not a 529 plan. Indexed interest is subject to a cap and a zero percent floor, is not guaranteed, and caps can change. Policy loans and withdrawals reduce cash value and the death benefit and can cause a lapse, which may be a taxable event. Coverage, features, and pricing vary by carrier and state, and approval is never guaranteed. Brokered through Family First Life. NPN 22121673.