19 May CollegePLUS Indexed Universal Life Insurance
Smart College Planning
The smarter alternative to a 529 plan.
CollegePLUS is a child-focused Indexed Universal Life Insurance (IUL) policy that gives parents the ability to build tax-advantaged savings, protect their child’s future, and create long-term wealth—all in one flexible, market-linked plan.
✅ Why Choose CollegePLUS Over a 529 Plan?
Feature | CollegePLUS IUL | 529 Plan |
Tax-Free Growth | ✅ Yes | ✅ Yes |
No Use Restrictions | ✅ Yes (not just for college) | 🚫 Education expenses only |
No Income Limits | ✅ Yes | 🚫 Income phase-outs may apply |
Market Protection | ✅ Floor protection (0% minimum) | 🚫 Exposed to market losses |
Guaranteed Death Benefit | ✅ Yes | 🚫 No |
Long-Term Wealth Tool | ✅ Yes (usable beyond college) | 🚫 No |
🧠 How It Works
- You fund the policy – Flexible contributions over time.
- Cash value grows – Based on index performance (like S&P 500) with downside protection.
- Use funds for anything – College, business startup, home purchase, etc.—no penalty.
- Policy stays in force – Even after college, it keeps growing & offers lifelong coverage.
💡 Use CollegePLUS to fund college or provide your child with a jumpstart toward retirement.
👪 Designed for Parents Who Want More
- ✔️ Want flexibility in how education funds are used
- ✔️ Are concerned about market downturns wiping out savings
- ✔️ Value a product that builds lifelong value, not just for 4 years of college
- ✔️ Want to leave a legacy of wealth and protection
💬 What Parents Are Saying
“This isn’t just college planning—it’s future-proofing our child’s financial life.”
— Darren & Maya B., Florida
“We ditched the 529. CollegePLUS gives our daughter college funds now and retirement income later.”
— Kim T., Texas
🛠️ FAQ: CollegePLUS IUL
Q: Is this only for college savings?
A: Not at all. While great for college, the funds can be used for any reason, at any age.
Q: Is the money taxed when withdrawn?
A: No, if accessed through policy loans, the income is tax-free.
Q: Does this affect financial aid (FAFSA)?
A: It’s not counted like a 529 plan, making it a smart strategy for families concerned about aid eligibility.
Q: What happens if my child doesn’t go to college?
A: The policy continues to grow. Your child can use it later in life for a home, business, or retirement.
✨ Benefits at a Glance
- 🚀 Market-linked growth with no downside risk
- 💼 Tax-free withdrawals for college, a business, or anything else
- 💰 No contribution or income limits
- 🛡️ Built-in life insurance protection
- 🔄 Use it for college today, retirement tomorrow
📞 Ready to Future-Proof Your Child’s Financial Life?
CollegePLUS offers what traditional college savings plans can’t:
flexibility, growth potential, and lifelong financial value.