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Why Indian families use an IUL, not a 529
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Flexible, not locked in
A 529 penalizes you if the money isn't used for school. A cash-value IUL can be used for college, a wedding, a first home, or retirement.
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Protection built in
It's life insurance too — so if something happens to a parent, the plan is still funded for your child. A 529 offers no such safety net.
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Tax-advantaged growth
Cash value grows tax-deferred and can be accessed tax-free when structured properly — without counting the same way against financial aid as a 529.
Illustrative estimates only, not financial, tax, or investment advice. Assumes today's average all-in cost (tuition, fees, room & board) of about $28,000 in-state / $46,000 out-of-state / $60,000 private, ~5%/yr college-cost inflation, a 10-year 7% loan for the loan figure, and ~6% illustrative annual growth for the funding estimate. Actual college costs, loan terms, and policy performance vary widely and are not guaranteed. Indexed Universal Life (IUL) is a life-insurance product; guarantees are subject to the claims-paying ability of the issuer. Consult a licensed professional for advice specific to your family.