Your kids, set for life.

Yes. A parent or grandparent can own a policy on a child. You pay a small monthly amount, it grows for decades, and when they are an adult you hand it over, cash value and all.

About $114 a month from age 5 at a 6.5% average crediting rate. Waiting until 25 makes it about $438 a month. The calculator gives you the exact number for your child's age.

The policy stays in force and keeps growing. As the owner you decide when to transfer it. Many parents hand it over around college age or when the child starts working. The rates were locked in while they were young and healthy.

Indexed universal life insurance. Part of what you pay in builds cash value that earns interest linked to an index like the S&P 500, with a 0% floor. It also carries a death benefit.

Index crediting has a 0% floor, so a market drop does not reduce the cash value from index performance. Policy costs still apply, and an underfunded policy can lapse. That is why the design matters and why a strategist builds it.

Income is typically taken as policy loans and withdrawals up to basis. Those are generally not reported as taxable income as long as the policy stays in force and is not a modified endowment contract. Your strategist designs it to stay that way.

Yes. Same calculator, pick For me. The earlier you start the smaller the monthly amount, and the membership works the same way.

Tap Join free. The number is saved to a private dashboard that tracks whether you are on pace. From there you can message Chris Brown, a licensed wealth strategist, and book a free 30-minute Zoom call. No cost, no obligation.

Yes. No card, no trial, no fee. The dashboard, the community, the tools, the courses and the strategy call are all free. If you decide to start a policy, that is a separate choice you make with your strategist.

IUL.Fund is a free calculator and membership for parents who want to set a child up for life with a small monthly amount inside an indexed universal life (IUL) policy. Run the number, join free, and a licensed strategist builds a real illustration around it. Adults can use it for themselves too.

A parent or grandparent owns a life insurance policy on the child. Part of each monthly payment builds cash value that earns interest tied to a market index, with a floor so index losses do not reduce it. Because the child is young and healthy, the insurance cost is low and most of the payment goes to growth. The policy can later pass to the child, who can borrow against it tax-free for college, a first home, a business or retirement.

Most carriers issue policies on children from about 14 days old. The calculator starts at age 0. The earlier the start, the smaller the monthly amount for the same goal.

They do different jobs. A 529 is for education and is limited to qualified expenses. An IUL is life insurance with cash value that can be used for anything, at any age, through tax-free policy loans, and it carries a death benefit. Many families use both. A strategist can show the numbers side by side on your free call.

A custodial account becomes the child's property at 18 or 21 and its growth is taxable. A Roth IRA needs earned income, which most young children do not have. An IUL has no income requirement, the parent keeps control as the owner, and cash value grows tax-deferred with tax-free access through policy loans. None of these is right for everyone; the free call compares them against your situation.

At a 6.5% average crediting rate, $100 a month from age 5 projects to about $884,000 by age 65. The same $100 started at 25 projects to about $228,000. The difference is the extra twenty years of compounding, not the amount.

The calculator defaults to 6.5%, in the range many IUL illustrations use for a long average. Move the slider to 4% to be conservative and 9% to be optimistic. Actual crediting depends on the carrier, the index and the caps in the policy.

Policy charges reduce what goes to cash value, especially in early years. Caps and participation rates limit how much index gain is credited. If premiums stop early the policy can lapse. Loans that are not managed can reduce the death benefit. The calculator shows growth before policy costs; a real illustration from a licensed agent shows the costs.

No. It is a simple projection of monthly contributions compounding at the rate you choose until age 65. A real illustration from the carrier includes the cost of insurance and other charges. Ask for one on your free call; it is built around your number.

Usually not. Most children's policies are issued with a short health questionnaire. Adult policies may require an exam depending on age, amount and carrier.

A parent, grandparent or legal guardian with an insurable interest in the child. The owner controls the policy and can transfer ownership to the child later, typically after 18.

You choose. Many families fund for 10 to 20 years and let the cash value carry the policy after that. The calculator assumes contributions until 65 for a simple comparison; a strategist can design a shorter funding period.

Yes. IUL premiums are flexible within limits set by the policy. You can pay more in good years and less in tight ones, as long as the policy stays funded enough to cover its charges.

It protects the family: if the insured child or adult passes away, the beneficiary receives the death benefit income-tax-free. For a child's policy the benefit also guarantees future insurability regardless of health.

A private dashboard that tracks your plan, a community of parents and strategists, eight short courses on credit, budgeting, investing, taxes and business with certificates, nineteen money tools, badges and levels, direct messages with a strategist, and a free 30-minute strategy call. No card, no fee.

Parents and grandparents who want a small monthly amount to grow into a large head start for a child. Also teens, college students and adults who want to start their own policy early. Members range from first-time savers to high-net-worth families adding a tax-free bucket.

IUL.Fund strategists are licensed life insurance agents in the United States. Availability depends on state licensing; ask on your free call and we will match you with a licensed agent for your state.

Join free and request a strategy call from your dashboard, or email info@iul.fund. Calls are 30 minutes on Zoom, free, with no obligation.