Indexed Universal Life Insurance (IUL)

As your child enters their pre-teen years, their world expands—and so do their needs. With the ever-rising costs of education and major life milestones, now is the time to start thinking seriously about securing their future. One of the smartest, most flexible strategies available is an Indexed Universal Life Insurance (IUL) policy. It offers not only lifelong financial protection but also a powerful way to fund your child’s education and other future goals. (How IUL Can Help Parents of Pre-Teens Save for College and Life’s Big Moments)

The Rising Cost of College and How an IUL Can Help

College tuition continues to rise at an alarming rate. For parents of pre-teens, it’s essential to start planning now. A CollegePLUS IUL can help you stay ahead of escalating costs by offering tax-deferred growth that can be accessed later for:

• College tuition and expenses
• Living costs while in school
• Graduate school funding, if needed

Instead of taking on debt, you can use the IUL’s cash value to cover educational needs when the time comes.

How IUL Grows with Your Child

At this stage in your child’s life, you have valuable time to let the policy grow. A CollegePLUS IUL leverages an indexing strategy tied to market performance, providing the potential for higher growth without exposing your investment to market losses. Key benefits include:

• Access to accumulated cash value for education or major life expenses
• Market-linked growth strategies for stronger long-term performance
• A guaranteed death benefit to ensure lasting financial security

Starting now means the policy can mature by the time your child is ready to head off to college.

Protection, Flexibility, and Growth in One Policy

Life doesn’t always go as planned—and that’s where IUL’s flexibility shines. Whether your financial situation changes, your child’s career path shifts, or new opportunities arise, an IUL policy can adapt. CollegePLUS IUL gives you the ability to:

• Tap into living benefits in case of critical illnesses or emergencies
• Adjust premium payments based on your situation
• Ensure permanent protection that can last your child’s entire life

This combination of flexibility and lifelong security makes CollegePLUS IUL a smart choice for modern families.

Why CollegePLUS IUL is the Best Choice for Pre-Teen Parents

For parents looking ahead to the costs of college and beyond, CollegePLUS IUL offers a unique opportunity to grow, protect, and access funds for major life milestones. With customizable premium options, tax-deferred growth, and a market-linked interest strategy, it’s designed to evolve alongside your child’s future.

🔗 Learn more about CollegePLUS IUL and how it can help you prepare for your child’s future.