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IUL for Kids: The Smartest Way to Build Tax-Free Wealth for Your Child
An Indexed Universal Life (IUL) policy can give your child a 20-year head start in wealth building, with tax-free growth, zero market risk, and guaranteed access to cash.
Takes Less Than 3 Minutes
Peace of Mind May Cost a Lot Less Than You Think
Safeguard your family’s future with the right life insurance policy.
Don’t leave the your loved ones' future to chance. Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.
Your Child Will Inherit More Than Just Your DNA. They'll Inherit Your Financial Decisions
College costs are rising. Inflation is shrinking savings. Most parents wait until age 18 to plan financially, but that’s often too late.
What if you could start building real wealth for your child today?
An IUL for kids is more than life insurance. It’s a financial strategy that grows with them, protects them, and gives them access to cash when they need it.
You’re not just saving for college. You’re building a legacy.
Meet Your Founder and CEO
Hey, I’m Chris! Your tax-free retirement plan could be closer than you think. In this short video, I’ll reveal how to get your custom IUL Quote & Wealth Report. It might change the way you think about retirement forever.
IUL for Kids Isn’t Just Life Insurance.
It’s a Long-Term Wealth Strategy for Your Child
A properly structured Indexed Universal Life (IUL) policy for kids is a little-known strategy that combines protection with powerful financial growth.
It’s what many high-net-worth families use to quietly build wealth — safely, tax-free, and with zero market risk.
Unlike traditional savings or college plans, a Kids’ IUL offers:
Tax-Free Growth: Your child’s policy grows without capital gains or income tax
Guaranteed Access to Cash: Use it for college, business, or even a down payment
Market Protection: Earn interest based on index performance — with a 0% floor
Legacy Planning: A built-in death benefit ensures security and peace of mind
Set it up once. Let it grow for decades. Give them the financial head start you never had.
Here’s How to Give Your Child a 20-Year Financial Head Start
Setting up a Kids’ IUL policy is easier than you think.
Step 1: Get Your Own Policy First
To qualify your child, the parent must have twice the amount of life insurance death benefit that we are placing on the child. If you do not already have coverage, we can help you secure an affordable term policy to meet this requirement.
Step 2: Apply for Your Child's IUL Policy
Once your own policy is active, we help you apply for a tax-advantaged IUL in your child’s name. No medical exam required in most cases. Starting early locks in their insurability for life. Plus, the policy’s cash value can grow for decades before they ever need it.
Step 3: Watch it Grow. Tax-Free and Protected
Your child’s cash value grows every year, compounding tax-free with market upside and 0% downside protection.
Step 4: Use the Funds When They Need Them
When your child turns 18, 21, or 25 , they’ll have real money they can use. College, business, a home. And it’s still growing.
The earlier you start, the more powerful the growth.
The best time to plant a tree was 20 years ago. The second-best time is today.
Why Get Your IUL Quote Through Us?
We're IUL Clients Too
Chris bought an IUL 15 years ago for his own family. We believe in the strategy and design every policy the way we’d want it for ourselves, always keeping your goals in mind.
Fiduciary Commitment
Chris holds a Series 65 license and is a Fiduciary by law. Your best interests always come first. There is no sales pressure and no commissions driving recommendations.
Holistic Financial Planning
We’ll help you create a plan to reduce taxes, grow wealth, and provide future income. If an IUL fits your needs, we’ll show how it works in your bigger financial picture.
Personalized Income Estimate
Get a customized quote showing how much tax-free retirement income your IUL could generate. We base it on your age, health, and contribution level.
Safe, Growth-Focused Strategy
IULs offer market-tied growth with downside protection. It’s a smart way to grow safely in uncertain economic times.
15+ Years of Trusted Experience
With 15+ years of experience and access to over 80 life insurance companies, we shop the market to find the right policy for you.
Indexed Universal Life Insurance
Quote & Wealth Report
Why Get Your IUL Quote Through Us?
We're IUL Clients Too
Chris bought an IUL 15 years ago for his own family. We believe in the strategy and design every policy the way we’d want it for ourselves, always keeping your goals in mind.
Fiduciary Commitment
Chris holds a Series 65 license and is a Fiduciary by law. Your best interests always come first. There is no sales pressure and no commissions driving recommendations.
Holistic Financial Planning
We’ll help you create a plan to reduce taxes, grow wealth, and provide future income. If an IUL fits your needs, we’ll show how it works in your bigger financial picture.
Personalized Income Estimate
Get a customized quote showing how much tax-free retirement income your IUL could generate. We base it on your age, health, and contribution level.
Safe, Growth-Focused Strategy
IULs offer market-tied growth with downside protection. It’s a smart way to grow safely in uncertain economic times.
15+ Years of Trusted Experience
With 15+ years of experience and access to over 80 life insurance companies, we shop the market to find the right policy for you.
Life Changes & Your Policy Should Too!
The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.
Not sure what life transformations may require a policy tune-up? Take a look below:
You recently got married or divorced
You became a parent or grandparent
You started or expanded a business
Your health or spouse’s health has deteriorated
You recently purchased a new home
A dependent requires assistance/long-term care
You recently purchased a new home
You're providing financial assistance to a parent
You are concerned about retirement income
You recently refinanced your home mortgage
You or your spouse recently received an inheritance
You have a sizable estate
If any of the above applies to you, or you are simply curious about more affordable policies in your area, request a FREE quote today!
I WILL HELP YOU FIND THE
PERFECT POLICY
Don't take my word for it.
Here’s what some of my clients have shared about their experience working with me.
STILL NOT SURE?
Frequently Asked Questions
Question 1: What is an IUL for kids?
An Indexed Universal Life (IUL) for kids is a life insurance policy that builds cash value as your child grows. It can provide tax-free retirement income, fund college, or serve as a financial safety net later in life.
Question 2: Why should I get an IUL for my child?
Starting an IUL early locks in low costs, builds decades of tax-free compounding, and guarantees insurability. It gives your child a powerful financial foundation and lifetime protection.
Question 3: How does an IUL for kids work?
Parents own the policy and pay premiums. The policy grows cash value tied to market performance (with downside protection). When the child becomes an adult, ownership can transfer so they control the benefits.
Question 4: Can an IUL help pay for college?
Yes. Cash value in an IUL can be accessed tax-free through loans, which many families use for college tuition, a first home, or even business funding.
Question 8: Is an IUL better than a 529 college plan?
Unlike a 529, an IUL offers tax-free access without penalties, can be used for anything (not just education), and provides lifelong protection with living benefits.
Question 5: Does my child need a medical exam to qualify for an IUL?
In most cases, no medical exam is required for children. Applications are typically quick, and policies are issued without health complications.
Question 6: What if my child develops health issues later?
Their insurability is locked in now. They’ll have coverage even if their health changes later in life.
Question 7: How much does an IUL for kids cost?
Costs vary by contribution level, but even small monthly premiums can grow into significant tax-free savings over time. You set the budget, and the policy compounds as your child grows.
Start Building Your Child’s Financial Future Today
Request a free IUL quote and Wealth Report to see how much your child’s plan could grow over time.
I WILL HELP YOU FIND THE
PERFECT POLICY
Don't take my word for it.
Here’s what some of my clients have shared about their experience working with me.
I recently purchased a life insurance policy from Abrams Insurance. Chris and his team are very patient - not like other insurance brokers trying to jam the process. The team took time to explain tons of questions explaining the policy term and it's meaning and how it affects the policy. The process and conversation was very transparent. Chris and his team are very professional.
Chris helped me obtain a life insurance policy that's appropriate for my situation when I was having difficulty finding one elsewhere. A few years later, it was time to update/modify it due to improved conditions, plus moving to another state, and Chris helped me get all of that done very easily as well. Thankful for his work!
Chris and his team assisted our family with obtaining the right insurance for our needs. I highly recommend him. He's prompt, kind and can be trusted with the private details that may have an impact your life insurance plan. I highly recommend him to anyone.
Chris and his team are great at what they do. They don’t lead you down any sort of path. They present all the options to you and let you make the best decision for yourself. I appreciate that more than anything.
Chris walked me through the process of getting a new and much more appropriate and now more affordable life insurance policy. He explained all my options and was very patient with my repetitive questions. As an independent agent I knew I was getting unbiased advice from him. I also got to know him and his wonderful family on a personal level. He is a stand up guy that gained my respect as I am sure he will gain yours. I highly recommend Chris Abrams.
Chris Abrams was wonderful to work with and went the extra mile to find me a policy that would work best for my needs (and at the best price)! Would highly recommend him especially if research is needed for particular situations. Thanks, Chris.
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858-703-6178