08/24/2026
Imagine starting your child’s graduation gift when they’re only ONE. 🎓💗
In this example, a parent puts $100/month into an IUL from age 1 through age 21.
That’s $25,200 total contributed over 21 years.
At age 21, the illustrated cash value is $32,784.
That could give them a financial head start as they enter adulthood, whether they’re thinking about education, their first home, starting a business, or simply continuing to build for their future.
But here’s where it gets interesting...
If they don’t access that money and instead leave the policy growing, with no additional premium contributions after age 21, the illustration shows approximately:
💰 $211,116 at age 50
💰 $573,856 at age 65
And throughout those years, this is still a life insurance policy providing a death benefit.
This is why I talk about starting early. It isn’t about putting thousands of dollars away every month. This example started with $100.
Want to see what this could potentially look like based on your child’s age and your budget?
Comment CLARITY or DM me CLARITY and I’ll send you the link to schedule a complimentary Financial Peace Strategy Session.
This is a hypothetical example based on a non-guaranteed life insurance illustration and is for educational purposes only. Values shown are not guaranteed and actual results will vary based on policy performance, credited interest, charges and other policy terms. Accessing cash value through loans or withdrawals will change future values and may reduce cash value and death benefit, cause tax consequences, or contribute to policy lapse.
