& Legacy Planning
Protecting Your
Tomorrow—
Starting Today
Tailored protection strategies designed around your family, your goals, and your future—with access to 30+ top-rated carriers.
The Program
What Is the
SmartStart Plan?
A Head Start for Your Child
The SmartStart plan is a way to help you set aside funds to protect your child’s future while protecting their insurability, regardless of what happens later in life.
The SmartStart life insurance policy provides insurance coverage for your child, coupled with a cash value savings component — which is certainly a smart start.
It can be tough to save money for your child’s future. SmartStart aims to make that a little bit easier.
How It Works
SmartStart Goes Beyond Education
College Education
Available cash value can be used to help pay for the cost of college — giving your child a financial foundation when they need it most.
First Home
SmartStart funds aren’t limited to education. If your child wants to use the cash value for a down payment on their first home, they can do so.
Retirement Income
When it’s time for them to retire, if the policy is still in force, they can even create a retirement income stream from their SmartStart policy.
Lifelong Insurability
By locking in coverage while your child is young and healthy, you protect their ability to obtain life insurance regardless of what happens later in life.
Tax-Free Growth
A portion of each premium payment goes to the cost of life insurance coverage. The balance becomes part of the policy’s cash value, which accumulates and grows tax-free.
Peace of Mind
By setting aside a small amount every month or quarter starting when your child is young, you build a legacy of protection and opportunity that lasts a lifetime.
Why SmartStart?
Why Do I Need the SmartStart Plan?
Lock In Low Rates
Life insurance is significantly less expensive when purchased for a child. Starting early means lower premiums for the life of the policy.
Protect Insurability
Health issues can arise at any time. SmartStart guarantees your child’s ability to maintain coverage regardless of future health changes.
Flexible Use of Funds
Unlike a 529 plan, SmartStart cash value isn’t restricted to education. Your child can use it for any major life milestone.
Tax-Advantaged Growth
Cash value grows tax-deferred and can be accessed tax-free through policy loans — a powerful advantage over traditional savings accounts.
Immediate Protection
From day one, your child has life insurance coverage. This provides peace of mind for your family from the moment the policy is issued.
A Legacy of Love
SmartStart is more than a financial product — it’s a statement that you’ve thought about your child’s future and taken action to protect it.
Take Action Today
Give Your Child a Smart Start
Secure their future. Build opportunity. Create a legacy that lasts. Schedule a no-obligation consultation to learn how SmartStart can help your child grow into tomorrow with confidence.