A Gift They Can Use for Life
How Children Access a Gifted IUL—and Why It Becomes a Lasting Legacy
One of the most powerful features of an IUL is how it evolves with your child.
As the policy builds cash value, it creates options. In adulthood, your child may be able to access the policy to help fund education, start a business, purchase a home, or navigate major life transitions. Later in life, it may even serve as a source of tax-advantaged supplemental income.
Unlike traditional savings accounts or custodial investments, an IUL isn’t limited to one life stage or one purpose. It adapts as needs change—while maintaining lifelong insurance protection.
There’s also a deeper benefit that often goes unspoken. A gifted IUL introduces children to long-term thinking, stewardship, and financial responsibility. It’s not just a financial asset—it’s a lesson in planning ahead.
For adult children, it can be an opportunity they may never have created on their own. For young children, it’s a quiet foundation that grows with them, protecting their future regardless of what life brings.
The most meaningful gifts aren’t always the ones opened right away. Sometimes, they’re the ones that provide security, flexibility, and peace of mind for decades to come.
If you want to give a gift your children can actually use—at every stage of life—planning is the first step. Let’s explore how to turn generosity into a lasting legacy.
📅 Schedule your complimentary Gifting Consultation or Retirement Strategy Session today and see how a gifting strategy can support your family for generations to come.
Protecting What Matters. Building What’s Next.
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.