Childrens Smart Start Plan

Give Your Child a Financial Head Start That Lasts a Lifetime

Build tax-advantaged wealth, protect their future, and lock in lifelong insurability while they're young and healthy.

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What Is Smart Start?

Smart Start is a strategy that uses an Indexed Universal Life (IUL) policy to give your child a financial foundation that can grow with them throughout their life.

Instead of simply buying life insurance, you're creating an asset that may help them with:

✅ College

✅ A first home

✅ Starting a business

✅ Emergency expenses

✅ Retirement

All while providing permanent life insurance protection.

The earlier you begin, the more time your child's money has to grow through compounding and the lower the cost of insurance is likely to be.

Why Parents Love Smart Start

Lock In Their Health

No one knows what health challenges tomorrow may bring.

Starting while your child is young can help secure coverage before future medical conditions could make insurance more difficult or expensive to obtain.

Build Cash Value

A properly designed policy builds cash value over time.

That money may later be available for major life events.

More Flexible Than College-Only Savings

Unlike education-only accounts, policy cash value can potentially be used for many different life goals if accessed appropriately.

- Examples include:

- College

- Trade school

- First home

- Business startup

- Wedding

- Retirement

Policy loans and withdrawals can reduce benefits and policy values and may have tax consequences if not managed properly.

My Daughter's Policy — Age 5, Female

Annual premium of $2,750.

Market Growth

Potential Without

Direct Market Losses

Indexed Universal Life policies credit interest based on the performance of a market index while protecting against negative index returns through a contractual floor.

That means your money isn't directly invested in the stock market, but it has the opportunity to benefit from market performance subject to caps, participation rates, and policy terms.

Why Starting Early Matters

Time is the biggest advantage your child will ever have.

Starting at age:

👶 1

has decades more growth potential than starting at

👦 10

Those extra years of compounding can make an enormous difference over a lifetime.

Perfect For

Parents wanting to give their children a financial advantage.

Grandparents looking to leave a meaningful legacy.

Families wanting flexible money instead of education-only savings.

Parents concerned about future health issues affecting insurability.

Anyone who believes starting early matters.

frequently asked questions

Is this just life insurance?

No.

Life insurance is one part of the strategy.

The policy is also designed to build long-term cash value that may be used throughout your child's life.

Who owns the policy?

Typically the parent or grandparent owns and controls the policy while the child is the insured. Sometimes a Trust is used.

Ownership can often be transferred later if desired.

Can grandparents buy one?

Absolutely.

Many grandparents use Smart Start as a legacy planning tool.

Can the money ONLY be used for college?

No.

One of the biggest advantages is flexibility, unlike a 529.

Available cash value may potentially be used for nearly any purpose, depending on how the policy is structured and maintained.

How much does it cost?

Every family is different.

Some families contribute around $55-$100 per month, while others choose to contribute more depending on their goals and budget.

Every Year You Wait Is One Less Year of Compound Growth.

Let's build a personalized Smart Start illustration showing how an Indexed Universal Life policy could help give your child or grandchild a financial head start.

Contact Us

The Tubbs Agency is a trusted insurance agency based in Ardmore, Oklahoma, proudly serving clients in Ardmore, Durant, Ada, Madill, Sulphur, Davis, Lone Grove, Tishomingo, Kingston, Marietta, Texoma, and surrounding Southern Oklahoma communities.

Ardmore, OK

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