🎙️ "Let me show you the power of starting early with Indexed Universal Life (IUL)."

jisbell223
Jul 1
2 min read

Updated: Jul 3

As parents and grandparents, we want to give our children every opportunity to succeed. We invest in their education, their hobbies, and their health—but what if you could also set them up with a lifetime of tax-free wealth and protection starting as early as age 5?

That’s exactly what an Indexed Universal Life (IUL) insurance policy can do.

Let’s take a look at a real example of how powerful this strategy can be.

A $199,000 Life Insurance Policy with Massive Financial Potential

Imagine this: a 5-year-old child is insured with a $199,000 death benefit and a monthly premium of just $121.83.

This isn't just traditional life insurance. This is a permanent life insurance policy with living benefits—meaning your child or grandchild will have access to tax-free money later in life through policy loans, and still have protection in place for their entire lifetime.

Here’s how it works:

✅ Guaranteed floor of 0% – your money is safe from market losses
✅ Growth Based on Cap rates and Participation- your Policy cash value grows as the market grows up to the Cap max and Max Participation.
✅ Living benefits – access to tax-free loans later in life

The Numbers: Building Tax-Free Wealth Over Time

By the time this child turns 70 years old, the policy projects:

📈 Over $1 million in tax-free cash value
💵 Ability to withdraw around $158,566 tax-free through policy loans
🧾 Total premiums paid over that time? Just over $100,000

That’s right—by investing just $121.83/month, this child could access over 10x in tax-free value, all while maintaining a life insurance death benefit.

Why This Matters

Think about it:

🧒 You’re giving your child or grandchild a financial foundation they can use for retirement, emergencies, or even starting a business.
🛡️ You’re also ensuring they’re covered with a death benefit that grows and protects over time.
💡 And best of all, it’s done through a tax-advantaged structure they’ll thank you for decades from now.

It’s not just smart planning—it’s generational wealth building.

Let's Build a Custom Plan for Your Family

Every child and every family is different. I’d love to show you how this could look for someone you love. Whether you're a parent or grandparent, this strategy is one of the most powerful financial gifts you can give.