Plan ahead for your child’s education while building tax-advantaged growth with an Indexed Universal Life (IUL) College Plan. This flexible solution helps parents secure funds for tuition and other educational expenses while also providing life insurance protection.
Cash value grows tax-deferred, helping fund college without tax penalties.
Withdraw funds for tuition, educational expenses and non educational expenses
Participate in market gains while your principal remains protected.
Protect your family while saving for your child’s future.
| Feature | IUL College Plan | 529 College Savings Plan |
|---|---|---|
| Purpose | Savings for education expenses, non education expenses, retirement, home purchase, investments etc. | Savings specifically for education expenses |
| Tax Advantages | Tax-deferred growth; tax-free withdrawals and loans | Tax-deferred growth; tax-free withdrawals on qualified educational expenses |
| Flexibility | Funds can be used for college, retirement, or other needs; premiums adjustable | Funds must be used for qualified education; penalties/taxes apply otherwise |
| Market Protection | Yes — principal is protected; growth linked to market index with caps/floors (No Market Risk) | No — account balance varies with market performance (Exposed to Market Risk) |
| Impact on Financial Aid | Minimal | May affect financial aid amount |
| Life Insurance | Yes | No |
We were considering a 529 plan, but after learning how the IUL College Plan grows tax-free and protects our money from market losses, the choice was easy. Now we have flexibility and peace of mind.
Thanks to Red Zone Insurance, I feel confident my kids’ education is covered. The IUL plan gave us stability, flexibility, and peace of mind all in one policy.
I’m so glad I secured my kids’ education early with the IUL College Plan. Knowing their future is protected and growing safely gives me total peace of mind.
