The most powerful gifts are the ones that adapt as life unfolds. A gifted IUL can support education, major life milestones, and long-term financial stability—while maintaining lifelong protection. It’s not just a financial asset; it’s a foundation your children can rely on at every stage of life.

Gifting an IUL isn’t about complexity—it’s about intention. When structured properly, it allows parents and grandparents to give generously without sacrificing financial security. Understanding how the process works—from policy design to ownership and funding—helps ensure your gift aligns with both your values and your long-term plan.

Some of the most meaningful gifts aren’t opened right away. They grow quietly in the background—providing protection, flexibility, and opportunity for decades. Gifting an Indexed Universal Life (IUL) policy allows you to support your children’s future while maintaining control, clarity, and confidence in your own retirement plan.

Gifting isn’t just an act of generosity—it’s a financial strategy. When done intentionally, it allows you to support the next generation while protecting your own retirement and legacy.