Indexed Universal Life Insurance (IUL)

Becoming a parent is a life-changing experience—filled with joy, love, and new responsibilities. As you embark on this exciting journey, it’s never too early to start planning for your child’s future. One of the smartest financial moves you can make for your newborn is to invest in Indexed Universal Life Insurance (IUL). Specifically, the CollegePLUS IUL from The Policy Shop is designed to help you protect and grow your baby’s wealth from day one.

Building a Financial Foundation from the Start

From diapers to daycare, raising a newborn comes with significant costs. But the earlier you start investing in your child’s future, the greater the long-term rewards. With an IUL, your baby’s policy begins to grow in value immediately, offering:

• Tax-deferred growth for the cash value of the policy
• Flexible premiums that can adjust as your child’s life evolves
• College funding options, using the policy’s cash value as a powerful tool for future tuition expenses

By starting early, you create a financial cushion that your child can tap into throughout life’s major milestones.

The Power of Compound Interest for Your Child

Launching an IUL policy for your newborn means taking advantage of the power of compound interest. The earlier you start, the more time your child’s policy has to build cash value, leveraging market-driven growth without being exposed to the full risk of market volatility.

• Long-term growth potential, thanks to an interest crediting strategy linked to major stock market indexes
• Protection from market losses—your policy’s growth is guaranteed even when the market fluctuates

Early compounding can turn small contributions into significant assets by the time your child reaches adulthood.

Financial Protection for Life’s Unexpected Moments

While no parent wants to think about the worst-case scenarios, preparing for the unexpected is an act of love. An IUL policy provides a financial safety net that can protect your child now and throughout their life.

• Death benefit protection, ensuring your child’s financial security
• Living benefits that can be used if emergencies, chronic illness, or critical illnesses arise

By investing in their future now, you’re creating a lifelong shield against uncertainties.

Flexibility for the Future

Life doesn’t follow a script—and neither should your child’s financial plan. A CollegePLUS IUL offers flexibility that adapts to their future needs, whether it’s education, homeownership, or retirement.

• Fund college tuition without penalties or rigid restrictions
• Provide a down payment for a future home purchase
• Supplement retirement income, giving your child a stronger financial foundation later in life

The CollegePLUS IUL grows as your child grows, making it a valuable resource at every major life event.

Why CollegePLUS IUL Is the Best Choice for Your Baby’s Future

The CollegePLUS IUL by The Policy Shop was designed with parents and children in mind. It offers:

• Customizable coverage to fit your family’s needs
• Tax-advantaged cash value growth
• Access to funds for education, life milestones, and emergencies
• Lifelong protection and financial security

Starting a CollegePLUS IUL today means you’re giving your child not just a head start—but a lifetime of opportunity.

🔹 To learn more about how CollegePLUS IUL can help you secure your newborn’s financial future, visit:
🔗 Learn more about CollegePLUS IUL and how it can help you prepare for your child’s future.