College Saving Plans

Secure your child’s future

Insurance is a financial tool & asset when used strategically!

save for college–without the risks

A college education can open doors, but the price tag keeps climbing. The average cost of a four-year degree at a public university now exceeds $100,000—and that’s before factoring in housing, books, and other expenses.

Many parents rely on 529 plans, or student loans and similar options but those traditional college savings plans come with limitations that many parents overlook.

Traditional College Savings Plans Come With Limitations Many Parents Overlook

Relying on these traditional plans could mean lost flexibility, higher tax burdens, losses of your principal due to market volatility or financial setbacks if the child takes a different path or expenses exceed expectations.

529 Plans

Funds must be used for qualified educational expenses, or you’ll face penalties.

Coverdell ESAs

Contribution limits are low, making it difficult to accumulate enough funds.

UTMA / UGMA

Assets are considered the child’s at legal age, impacting financial aid eligibility.

Education IRAs

Tapping into retirement funds for college expenses can derail long-term financial security.

A cash value life insurance policy provides a smarter, more flexible solution

Grow Your Savings Without Market Risk

Cash value life insurance policies can grow your savings, providing market-like returns, without the volatility or potential for losses of the stock market.

Use for Education or ANY Financial Goals

Funds can be accessed for any need—education, emergencies, home purchases, or even supplementing retirement.

Maintain Financial Aid Eligibility

Unlike 529 plans, these savings don’t count as student assets. Therefore, they maintain their eligibility to obtain student loans.

Double The Tax Advantages

The savings grow tax-deferred. Plus, the funds can be accessed tax-free when it’s time to use them.

Our process is simple but powerful

How we work to achieve your goals

start with a conversation

We discuss your current situation, past efforts & ideal outcomes / goals.

research & strategize

We explore the best options based on your needs.

present tailored solutions

We provide clear strategies designed for the desired impact.

partner for success

We implement your strategy and provide continued guidance.

real world use cases

Passionate. Dedicated. Professional.

what people are saying

We care about our clients…and it shows!

Quotes Dark

Tanisha Coffey is the best! She is super patient and answered all of my questions. I HIGHLY recommend her for your insurance needs.

C. Scott

Quotes Dark

…Tanisha took the time to thoroughly explain each plan option, ensuring I had a clear understanding of the details and benefits. She was not only well-prepared to answer every question I had but also went above and beyond to clarify complex information in a way that was easy to grasp…

C. Ahuchaogu