What if your children started a generation ahead?

Some families have been doing this for a hundred years.

Permanent life insurance as a wealth-building tool is not new. Certain families figured it out early, used it, and passed that knowledge down. For a lot of families, especially in Black and minority communities, it was never part of what got handed down.

My parents were good, hardworking people. They just didn't know this existed. I found out later than I would have liked, and my first thought was that my kids are getting this from the start.

I've done this for all five of mine.

What exactly is an IUL?

An Indexed Universal Life policy is permanent life insurance with a cash value account built inside it. Part of each premium buys the coverage, and the rest builds cash value that grows based on how a market index performs. There's a cap on the good years and a floor that keeps a market drop from crediting a negative. Later on, that cash value can be reached through policy loans, which do charge interest and reduce what your family receives if they aren't paid back.

For a child, the math tilts in their favor. Their cost of insurance is a small fraction of what an adult pays, so more of every dollar goes to work, and a policy opened young has decades to compound. Want the deeper version, caps and costs and tradeoffs? It's on the main IUL page →

Almost nobody thinks a child needs life insurance.

They're right that it should not happen. Children are not supposed to die, and most will not. I'm not going to build a case out of fear. But I've sat with my own family through the loss of a child we loved, and I watched us handle the funeral and the costs in the middle of the hardest days of our lives. That protection is a smaller reason to open a policy, and a real one.

Because children are young and healthy, their cost of insurance is very low compared to what an adult pays for the same coverage. You get real protection and a wealth-building tool inside the same policy.

Why I don't put generic numbers on this page.

Every policy is different. Your child's age, the carrier, the design, your premium, all of it changes the picture. A number I make up for a website could be far off from what your actual illustration shows.

So I run a real carrier illustration instead. You get two sets of numbers side by side: the guaranteed values and the non-guaranteed projections at different return assumptions. Both clearly labeled. You see the actual math for your child before you decide anything.

This page is for educational purposes only. Illustrations are hypothetical and not guaranteed. Individual policy results will vary. Not all products available in all states.

I already have a 529. Is this better?

A 529 is a solid tool and I won't talk you out of one. They do different jobs, so here they are side by side.

Answers before the call.

Your child is healthy right now.

The best time to lock in a child's coverage is before life has a chance to complicate it.

When a policy is issued, the insurance cost is based on the insured's age and health at that moment. For children, that's typically as low as it gets. The policy still has to be properly funded and reviewed over time. But the coverage that's been issued doesn't require re-underwriting later as long as the policy stays in force.

Health changes. A child is healthy at five and develops a condition at twelve. By the time they're an adult buying life insurance on their own, the premiums are higher and sometimes there's no coverage at all. Start today and their health today is what qualifies them.

I built this for a college friend who wanted to be intentional. We handled the protection first, then layered in IUL policies that start building cash value from day one. Coverage already issued can generally remain in force without new medical underwriting as long as policy requirements are met, though that doesn't guarantee eligibility for additional future coverage unless the policy includes a specific guaranteed-insurability option.

Let me run a free illustration for your child.

The Bible says a good man leaves an inheritance to his children's children. That's about decisions made today that your grandchildren benefit from. Starting a policy on your child is one of the most practical versions of that I've found.

Real numbers for your child.

Your child's age. Your budget. I'll reach out within one business day to set up a 30-minute call, with your child's illustration ready before we talk.

You'd be talking with me, Keith. If your child is already set up right, I'll tell you that too. Questions I didn't cover here? Check the FAQ.

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I'll reach out personally to set up a short call.