The Gift That Grows With Them
Why Gifting an IUL Can Be One of the Most Powerful Gifts You Ever Give
When parents think about helping their children financially, the focus is often short-term—college, a first car, or help with a down payment. But some of the most impactful gifts are the ones that quietly grow in the background, offering protection and opportunity for decades.
A properly structured Indexed Universal Life (IUL) policy can do exactly that.
When gifted to a child—whether young or grown—an IUL provides permanent life insurance protection paired with tax-advantaged growth potential. Because children are typically healthy, policies tend to be more efficient, allowing more of each dollar to contribute toward long-term value.
What makes an IUL different from traditional savings or investment accounts is flexibility. The policy isn’t locked into a single purpose. Over time, it can support education, life milestones, or even retirement income—while maintaining insurance protection along the way.
This type of gifting isn’t about excess or entitlement. It’s about intention. It’s about giving your children options, stability, and a financial head start that doesn’t depend on perfect timing or market conditions.
In the next article, we’ll walk through how gifting an IUL actually works—from setup to ownership to funding—so you can see what the process really looks like.
Thinking about how to give your children more than just “things”?
A thoughtful gifting strategy can create options, protection, and peace of mind—without compromising your own future.
📅 Schedule a complimentary Gifting Consultation or Retirement Strategy Session to explore whether a long-term gifting approach fits into your retirement and legacy plan.
About Childress Financial Consultants
Kwesi and Cheri Childress are the husband-and-wife team behind Childress Financial Consultants, helping families and business owners plan for retirement with confidence. They specialize in maximizing Social Security benefits, protecting assets, and creating lasting legacies through safe-money strategies.
Together, they believe retirement planning isn’t just about money — it’s about family, freedom, and leaving a lasting legacy.
Schedule your complimentary Retirement Readiness Consultation today by calling (310) 256-7377 or sending an email to kchildress@cigbh.com.