IUL for kids
Explore one type of children’s coverage. It is not a college savings plan, and affordability and adult protection remain part of the family review.
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Protection & preparation
Include your child in the family protection conversation.
Understand what coverage for a child can offer, how future coverage options work and whether the premiums fit your family’s priorities.
Request a Children’s Coverage Consultation
Children’s Life Insurance
“My child does not earn income. Why insure them?”
The reason is different from insuring a parent’s paycheck. A benefit may help with funeral costs and time away from work after a child’s death. Some policies offer future coverage purchase options, subject to their rules.
Permanent coverage may also develop cash value. We will explain the costs, how value develops and who owns the policy.
Children’s coverage is its own insurance option and part of a broader family review. We also consider the adults’ coverage, emergency savings and household budget.
Policy features, cash value and future purchase options vary. A life insurance policy should not be presented as a substitute for a college savings plan.
Explore protection for families and parents ↗What happens next?
Share your interest through the client consultation form. Marquita will follow up to arrange a conversation about your questions, coverage and budget. You can learn about your options before deciding.
Request a Children’s Coverage ConsultationWhat about IUL for children?
A children’s IUL is permanent life insurance with index-linked crediting and policy charges. It may provide long-term coverage and cash value features when funded appropriately. We can compare its guarantees, costs and ongoing funding requirements with other available options.
It is not automatically the best choice for every child. Review the parents’ coverage and household budget first. College savings plans and life insurance serve different purposes.
Questions to think about
- What protection do the adults already have?
- Can our budget sustain the child’s policy?
- What future purchase options are actually included?
A few things you may be wondering
Does this guarantee my child can buy unlimited coverage later?
No. Any future purchase option has specific ages, limits and conditions. Review the actual contract.
Is children’s coverage a college savings plan?
No. Cash value access may be possible under a permanent policy, but it has costs and effects on coverage. Compare education funding options separately.
Watch & learn
A closer look at the topic.
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