What The FIUL Can Do.

Every parent wants their children to have the very best start in life. When it comes to how to make that a reality, parents should consider the smart start plan, offered through an Indexed Universal life insurance policy. This program gives your child a head start on saving for their college education, the down payment of their first home, and even their retirement, all while giving them the protection of life insurance.

The Smart Start plan is a way to help you set aside funds to protect your child's future while protecting their insurability, regardless of what happens later in life. The Smart Start life IUL insurance policy provides insurance coverage for your child, coupled with a cash value savings component, which is certainly a smart start.

Why Does Your Child Need a Financial Smart Start?

It can be tough to save money for your child's future; Smart Start aims to make that a little bit easier.

The Smart Start IUL program goes beyond education expenses: in addition to using funds to help pay for the cost of college, available cash value can be used at any point in your child's life. If they want to use funds for a down payment on a home, they can do so! When it's time for them to retire, if the policy is still in force, they can even create a retirement income stream from their SmartStart policy.

How Does The Child Smart Start Plan Work?

By setting aside a small amount of money every month or quarter starting when your child is young, you can help them set aside cash for future needs while providing valuable insurance coverage.

A portion of your premium payment goes to pay the cost of life insurance coverage. The balance becomes part of the policy's cash value, which accumulates and grows tax-free.