{"id":2667,"date":"2024-09-26T23:03:01","date_gmt":"2024-09-26T23:03:01","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=2667"},"modified":"2025-05-13T22:59:11","modified_gmt":"2025-05-13T22:59:11","slug":"iul-para-ninos","status":"publish","type":"page","link":"https:\/\/indexeduniversallife.us\/es\/iul-para-ninos\/","title":{"rendered":"IUL para Ni\u00f1os"},"content":{"rendered":"<style>.kb-row-layout-id2667_9b42f3-bb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_9b42f3-bb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_9b42f3-bb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2667_9b42f3-bb > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id2667_9b42f3-bb > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id2667_9b42f3-bb > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_9b42f3-bb > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_9b42f3-bb alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2667_957dc5-e2 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_957dc5-e2 > .kt-inside-inner-col,.kadence-column2667_957dc5-e2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_957dc5-e2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_957dc5-e2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_957dc5-e2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_957dc5-e2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_957dc5-e2{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_957dc5-e2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_957dc5-e2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2667_957dc5-e2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5, .wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5[data-kb-block=\"kb-adv-heading2667_fdf4c2-c5\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5[data-kb-block=\"kb-adv-heading2667_fdf4c2-c5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5[data-kb-block=\"kb-adv-heading2667_fdf4c2-c5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5, .wp-block-kadence-advancedheading.kt-adv-heading2667_fdf4c2-c5[data-kb-block=\"kb-adv-heading2667_fdf4c2-c5\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading2667_fdf4c2-c5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2667_fdf4c2-c5\">Why Buy Life Insurance for Your Kids?<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43, .wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43[data-kb-block=\"kb-adv-heading2667_fd0d57-43\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43[data-kb-block=\"kb-adv-heading2667_fd0d57-43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2667_fd0d57-43[data-kb-block=\"kb-adv-heading2667_fd0d57-43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading2667_fd0d57-43 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2667_fd0d57-43\">Buying life insurance for children is just one of the many ways you can give your child a financially sound future. One of the biggest benefits is the incredible variety of policies offered by many insurance companies. Most of these can fit any family\u2019s budget.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_cf01e6-b0{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2667_cf01e6-b0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_cf01e6-b0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_cf01e6-b0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:110px;padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2667_cf01e6-b0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_cf01e6-b0 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_cf01e6-b0 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_cf01e6-b0 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column2667_2fa834-06 > .kt-inside-inner-col{display:flex;}.kadence-column2667_2fa834-06 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_2fa834-06 > .kt-inside-inner-col,.kadence-column2667_2fa834-06 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_2fa834-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_2fa834-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_2fa834-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_2fa834-06{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_2fa834-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_2fa834-06{position:relative;}.kadence-column2667_2fa834-06, .kt-inside-inner-col > .kadence-column2667_2fa834-06:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2667_2fa834-06 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_2fa834-06{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2667_2fa834-06, .kt-inside-inner-col > .kadence-column2667_2fa834-06:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_2fa834-06 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column2667_2fa834-06{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_2fa834-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2667_2fa834-06\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">IUL for Children<\/h2>\n\n\n\n<p class=\"\">Purchasing a life insurance policy for your child at an early age can create a financial safety net as they grow, giving them a strong financial foundation when they reach adulthood. It\u2019s also an excellent option for providing long-term support for children with special needs.<\/p>\n\n\n\n<p class=\"\">Starting a life insurance policy for your child early can provide benefits that last a lifetime. Here\u2019s what you should know:<\/p>\n\n\n\n<p class=\"\">\u2705 Affordable Premiums: Lock in low rates while they\u2019re young.<br>\u2705 Guaranteed Coverage: Stay protected even if health deteriorate<br>\u2705 Cash Value Growth: Build a Fund for future expenses like college<br>\u2705 Double Coverage: Get double coverage when they mature.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2667_3de616-82 > .kt-inside-inner-col{display:flex;}.kadence-column2667_3de616-82 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_3de616-82 > .kt-inside-inner-col,.kadence-column2667_3de616-82 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_3de616-82 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_3de616-82 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2667_3de616-82 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_3de616-82{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2667_3de616-82 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_3de616-82{position:relative;}.kadence-column2667_3de616-82, .kt-inside-inner-col > .kadence-column2667_3de616-82:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_3de616-82{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_3de616-82 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_3de616-82, .kt-inside-inner-col > .kadence-column2667_3de616-82:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_3de616-82 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:flex-start;}.kt-row-column-wrap > .kadence-column2667_3de616-82{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3de616-82 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2667_3de616-82, .kt-inside-inner-col > .kadence-column2667_3de616-82:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_3de616-82\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1600\" height=\"1067\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271.jpg\" alt=\"\" class=\"wp-image-2668\" style=\"width:490px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271.jpg 1600w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271-300x200.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271-1024x683.jpg 1024w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271-768x512.jpg 768w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Mom_Children_Saving-e1578935472271-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id2667_52582e-bc > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_52582e-bc > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_52582e-bc > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:40px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2667_52582e-bc > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_52582e-bc > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_52582e-bc > .kt-row-column-wrap{padding-top:60px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_52582e-bc alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column2667_a741b6-1e > .kt-inside-inner-col{padding-top:10px;padding-right:40px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_a741b6-1e > .kt-inside-inner-col,.kadence-column2667_a741b6-1e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_a741b6-1e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_a741b6-1e > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_a741b6-1e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_a741b6-1e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_a741b6-1e{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_a741b6-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_a741b6-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2667_a741b6-1e\"><div class=\"kt-inside-inner-col\">\n<div id=\"calculator-container\">\n  <h2>IUL Calculator for Kids<\/h2>\n<p> Change age and monthly contribution to simulate different cases.<\/p>\n  <div>\n    <label for=\"age\">Prospect Age: <span id=\"current-age\">1<\/span><\/label>\n    <input type=\"range\" id=\"age-slider\" min=\"0\" max=\"59\" value=\"1\" \/>\n  <\/div>\n  <div>\n    <label for=\"monthly-contribution\">Deposits: $<span id=\"current-contribution\">100<\/span>\/m<\/label>\n    <input type=\"range\" id=\"contribution-slider\" min=\"50\" max=\"2000\" step=\"50\" value=\"100\" \/>\n  <\/div>\n  <canvas id=\"comparison-chart\" width=\"800\" height=\"400\"><\/canvas>\n  <div>\n    <div style=\"background-color:#82ca9d; font-size:small;\"> * IUL: 6.4% annual return with tax deferral <\/div>\n    <div style=\"background-color:#cccccc; font-size:small;\"> * CD: 2.9% annual return with taxable payments at 35% <\/div>\n  <\/div>\n  \n<\/div>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\n  document.addEventListener(\"DOMContentLoaded\", function () {\n    const ageSlider = document.getElementById(\"age-slider\");\n    const contributionSlider = document.getElementById(\"contribution-slider\");\n    const currentAgeSpan = document.getElementById(\"current-age\");\n    const currentContributionSpan = document.getElementById(\"current-contribution\");\n    const ctx = document.getElementById(\"comparison-chart\").getContext(\"2d\");\n    const valueAtAge69Plus22Element = document.getElementById(\"value-at-age-69-plus-22\");\n    const valueAtAge69_95Element = document.getElementById(\"value-at-age-69-95\");\n    const cashValueAge69Element = document.getElementById(\"cash-value-age-69\"); \/\/ New element for cash value at age 69\n\n    let chart;\n\n    function calculateValues(age, monthlyContribution) {\n      const maxAge = 79;\n      const years = maxAge - age + 1;\n      const annualContribution = monthlyContribution * 12;\n      let iulValue = 0;\n      let cdValue = 0;\n      let iulValueAtAge69 = 0;\n      const labels = [];\n      const iulData = [];\n      const cdData = [];\n\n      for (let year = 0; year <= years; year++) {\n        iulValue = (iulValue + annualContribution) * 1.064;\n        const cdInterest = cdValue * 0.0290;\n        const cdTax = cdInterest * 0.35;\n        cdValue = cdValue + annualContribution + cdInterest - cdTax;\n\n        labels.push(age + year);\n        iulData.push(Math.round(iulValue));\n        cdData.push(Math.round(cdValue));\n\n        \/\/ Capture IUL value at age 69\n        if (age + year === 69) {\n          iulValueAtAge69 = iulValue;\n        }\n      }\n\n      return { labels, iulData, cdData, finalIulValue: iulValue, iulValueAtAge69 };\n    }\n\n    function showTooltipAtAge69(chartInstance) {\n      const indexAt69 = chartInstance.data.labels.indexOf(69);\n      if (indexAt69 !== -1) {\n        chartInstance.setActiveElements([{ datasetIndex: 0, index: indexAt69 }]);\n        chartInstance.tooltip.setActiveElements([{ datasetIndex: 0, index: indexAt69 }], { x: 0, y: 0 });\n        chartInstance.update();\n      }\n    }\n\n    function updateChart(age, monthlyContribution) {\n      const { labels, iulData, cdData, finalIulValue, iulValueAtAge69 } = calculateValues(age, monthlyContribution);\n\n      if (chart) {\n        chart.destroy();\n      }\n\n      chart = new Chart(ctx, {\n        type: \"line\",\n        data: {\n          labels: labels,\n          datasets: [\n            {\n              label: \"IUL Cash Value\",\n              borderColor: \"#82ca9d\", \/\/ Green color for Cash Value\n              backgroundColor: \"rgba(130, 202, 157, 0.1)\", \/\/ Light green background\n              data: iulData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n            {\n              label: \"CD Value\",\n              borderColor: \"rgba(211, 211, 211, 1)\", \/\/ Light grey color for CD Value\n              backgroundColor: \"rgba(211, 211, 211, 0.1)\", \/\/ Light grey background\n              data: cdData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n          ],\n        },\n        options: {\n          responsive: true,\n          scales: {\n            x: {\n              title: {\n                display: true,\n                text: \"Age\",\n              },\n            },\n            y: {\n              title: {\n                display: true,\n                text: \"Value ($)\",\n              },\n              ticks: {\n                callback: function (value) {\n                  if (value >= 1000000) return `$${(value \/ 1000000).toFixed(1)}M`;\n                  if (value >= 1000) return `$${(value \/ 1000).toFixed(0)}K`;\n                  return `$${value}`;\n                },\n              },\n            },\n          },\n          plugins: {\n            tooltip: {\n              callbacks: {\n                label: function (tooltipItem) {\n                  return `${tooltipItem.dataset.label}: $${tooltipItem.raw.toLocaleString()}`;\n                },\n              },\n            },\n            legend: {\n              labels: {\n                boxWidth: 15,\n                font: {\n                  size: 14,\n                },\n              },\n            },\n          },\n        },\n      });\n\n      showTooltipAtAge69(chart);\n\n      \/\/ Calculate and display the value at age 69 plus 22%\n      if (iulValueAtAge69) {\n        const valuePlus22 = iulValueAtAge69 * 1.22;\n        valueAtAge69Plus22Element.textContent = `$${Math.round(valuePlus22).toLocaleString()}`;\n        \n        \/\/ Calculate and display 95% of the IUL value at age 69 for Living Benefits\n        const value95 = iulValueAtAge69 * 0.95;\n        valueAtAge69_95Element.textContent = `$${Math.round(value95).toLocaleString()}`;\n\n        \/\/ Display the IUL Cash Value at age 69\n        cashValueAge69Element.textContent = `$${Math.round(iulValueAtAge69).toLocaleString()}`;\n      }\n    }\n\n    updateChart(1, 100);\n\n    ageSlider.addEventListener(\"input\", function () {\n      currentAgeSpan.textContent = ageSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n\n    contributionSlider.addEventListener(\"input\", function () {\n      currentContributionSpan.textContent = contributionSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n  });\n<\/script>\n\n\n\n<p class=\"has-small-font-size\"><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2667_029686-c1 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_029686-c1 > .kt-inside-inner-col,.kadence-column2667_029686-c1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_029686-c1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_029686-c1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_029686-c1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_029686-c1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_029686-c1{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_029686-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_029686-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_029686-c1\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading has-medium-font-size\">A calculator&nbsp;that shows how much cash value you could build up including life insurance benefits.<\/h2>\n\n\n\n<p class=\"has-small-font-size\">Your kid&#8217;s policy cash value grow each year between a cap of 8% and a floor of 0%, averaging 6.44%. This means you never lose money and lock in gains annually with protection against market downturns. Use the sliding controls to adjust age and monthly contributions to see your potential cash value at retirement. For a personalized policy, see for how much you qualify and how much you can save.<\/p>\n\n\n\n<div style=\"background-color:#82ca9d;\">\n    <strong>Cash At Age 69:<\/strong> <span id=\"cash-value-age-69\">$0<\/span><br> ( If you need cash )\n  <\/div>\n<hr>\n<div style=\"background-color:#ccccff;\">\n    <strong>Death Benefit:<\/strong> <span id=\"value-at-age-69-plus-22\">$0<\/span><br> ( If you die too soon )\n  <\/div>\n<hr>\n<div style=\"background-color:#ccffff;\">\n    <strong>Living Benefits:<\/strong> <span id=\"value-at-age-69-95\">$0<\/span><br> ( If you become ill )\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\">*Tables and charts are for illustrative purposes only and do not represent any specific policy example. Please <a href=\"\/getstarted\/\">consult with a licensed agent<\/a> for a specific policy for additional information. All guarantees and contractual obligations are solely based on the claims-paying ability of the issuing company. The death benefit will depend on the individual\u2019s age and health.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_b0f945-09{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id2667_b0f945-09 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2667_b0f945-09 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2667_b0f945-09 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2667_b0f945-09 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_b0f945-09 > 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.kadence-column2667_c1c383-f3:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_c1c383-f3 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column2667_c1c383-f3{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_c1c383-f3{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_c1c383-f3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_c1c383-f3, .kt-inside-inner-col > .kadence-column2667_c1c383-f3:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_c1c383-f3\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/getstarted\/\">Get A Quote<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_4ac733-40{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2667_4ac733-40 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_4ac733-40 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_4ac733-40 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px 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.kt-inside-inner-col{display:flex;}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col,.kadence-column2667_8e18d4-65 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_8e18d4-65{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_8e18d4-65{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_8e18d4-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_8e18d4-65 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_8e18d4-65{position:relative;}.kadence-column2667_8e18d4-65, .kt-inside-inner-col > .kadence-column2667_8e18d4-65:not(.specificity){margin-top:0px;margin-right:10px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2667_8e18d4-65 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:60px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_8e18d4-65{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_8e18d4-65{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_8e18d4-65 > 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class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized has-lightbox\"><img decoding=\"async\" width=\"671\" height=\"935\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Why-Purchase-Life-Insurance-for-Children-671x1024-1.png\" alt=\"\" class=\"wp-image-2669\" style=\"width:372px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Why-Purchase-Life-Insurance-for-Children-671x1024-1.png 671w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Why-Purchase-Life-Insurance-for-Children-671x1024-1-215x300.png 215w\" sizes=\"auto, (max-width: 671px) 100vw, 671px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column2667_c2d4ed-c2 > .kt-inside-inner-col{display:flex;}.kadence-column2667_c2d4ed-c2 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_c2d4ed-c2 > 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.kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_c2d4ed-c2{position:relative;}.kadence-column2667_c2d4ed-c2, .kt-inside-inner-col > .kadence-column2667_c2d4ed-c2:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:100px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_c2d4ed-c2{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_c2d4ed-c2{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_c2d4ed-c2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_c2d4ed-c2 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_c2d4ed-c2, .kt-inside-inner-col > 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class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">The Basics<\/h2>\n\n\n\n<p class=\"\">You can usually purchase a life insurance policy for your child within the first few weeks after birth and continue to do so until they are between 14 and 17 years old. Most policies offer coverage until the child turns 18 or 23.<\/p>\n\n\n\n<p class=\"\">The coverage doesn&#8217;t end there. Your child will have the option to assume ownership of the policy, allowing them to continue their life insurance at low rates. Even a child rider on your own policy can be converted into a permanent policy for them.<\/p>\n\n\n\n<p class=\"\">If you prefer to wait until they\u2019re older, that\u2019s fine. They\u2019re still at a younger age compared to when most people start considering life insurance. In any case, you are securing life insurance protection for your child and helping prepare them financially for the future.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_231bf6-8a{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id2667_231bf6-8a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_231bf6-8a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_231bf6-8a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2667_231bf6-8a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_231bf6-8a > 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.kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column2667_16dba0-69 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_16dba0-69 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_16dba0-69 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_16dba0-69 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_16dba0-69{position:relative;}.kadence-column2667_16dba0-69, .kt-inside-inner-col > .kadence-column2667_16dba0-69:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column2667_16dba0-69 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_16dba0-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2667_16dba0-69\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2667_457dc2-ed > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_457dc2-ed > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_457dc2-ed > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 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1fr);}}.kb-row-layout-id2667_457dc2-ed .quote-style { position: absolute; left: 50px; top: 35px;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_457dc2-ed alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2667_608ad8-44 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_608ad8-44 > .kt-inside-inner-col,.kadence-column2667_608ad8-44 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_608ad8-44 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_608ad8-44 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_608ad8-44 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_608ad8-44 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_608ad8-44{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_608ad8-44 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_608ad8-44 > .kt-inside-inner-col{padding-top:20px;padding-right:30px;padding-bottom:30px;padding-left:30px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column2667_608ad8-44\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84, .wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84[data-kb-block=\"kb-adv-heading2667_a22dd2-84\"]{margin-top:-20px;margin-right:-50px;margin-bottom:0px;margin-left:-20px;text-align:center;font-size:9em;line-height:1em;font-weight:600;font-style:italic;font-family:Jost;text-transform:uppercase;text-shadow:0px 0px 22px rgba(27,0,79,0.11);}.wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84[data-kb-block=\"kb-adv-heading2667_a22dd2-84\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2667_a22dd2-84[data-kb-block=\"kb-adv-heading2667_a22dd2-84\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and 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.kt-blocks-info-box-link-wrap{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:rgba(242, 242, 242, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box2667_47b384-e4.wp-block-kadence-infobox{max-width:100%;}.kt-info-box2667_47b384-e4 .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box2667_47b384-e4 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box2667_47b384-e4 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box2667_47b384-e4 .kt-info-svg-icon-flip, .kt-info-box2667_47b384-e4 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;border-radius:20px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box2667_47b384-e4 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box2667_47b384-e4 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box2667_47b384-e4 .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box2667_47b384-e4\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center kb-info-tablet-halign-center kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg\" alt=\"\" width=\"500\" height=\"500\" class=\"kt-info-box-image wp-image-359\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg 500w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-150x150.jpg 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><\/div><\/span><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{display:flex;}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col,.kadence-column2667_5fff60-d1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_5fff60-d1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_5fff60-d1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_5fff60-d1{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{padding-top:0px;padding-right:60px;padding-bottom:0px;padding-left:60px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_5fff60-d1{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column2667_5fff60-d1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_5fff60-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_5fff60-d1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons2667_b68667-dc{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons2667_b68667-dc{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons2667_b68667-dc{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons2667_b68667-dc alignnone\"><style>.kt-svg-item-2667_b068ac-48 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2667_b068ac-48 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2667_b068ac-48\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-2667_10a4ea-61 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2667_10a4ea-61 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2667_10a4ea-61\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-2667_d0ff54-61 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2667_d0ff54-61 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2667_d0ff54-61\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-2667_300527-84 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2667_300527-84 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2667_300527-84\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-2667_8dc7fc-52 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2667_8dc7fc-52 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2667_8dc7fc-52\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd, .wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd[data-kb-block=\"kb-adv-heading2667_24dadd-bd\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd[data-kb-block=\"kb-adv-heading2667_24dadd-bd\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd[data-kb-block=\"kb-adv-heading2667_24dadd-bd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd, .wp-block-kadence-advancedheading.kt-adv-heading2667_24dadd-bd[data-kb-block=\"kb-adv-heading2667_24dadd-bd\"]{text-align:center!important;}}<\/style>\n<h3 class=\"kt-adv-heading2667_24dadd-bd wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading2667_24dadd-bd\">Get personalized quotes \u2014 Free, No-Obligation IUL Quote: Enter Info, Calculate A Deposit In 5 Min, Talk To An Agent. It Costs $0 To Run The Numbers &amp; Calculate A Recurring Deposit. No-Obligation IUL Estimate In 5 Min.<\/h3>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns2667_b2a983-76, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns2667_b2a983-76, .wp-block-kadence-advancedbtn.kb-btns2667_b2a983-76, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns2667_b2a983-76{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns2667_b2a983-76{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns2667_b2a983-76 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns2667_b2a983-76{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns2667_b2a983-76\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn2667_a4bcb1-4f.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn2667_a4bcb1-4f kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_9898ec-8d{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id2667_9898ec-8d > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2667_9898ec-8d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2667_9898ec-8d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:100px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2667_9898ec-8d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_9898ec-8d > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_9898ec-8d > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_9898ec-8d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{display:flex;}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col,.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_1e30e8-c1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_1e30e8-c1{position:relative;}.kadence-column2667_1e30e8-c1, .kt-inside-inner-col > .kadence-column2667_1e30e8-c1:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_1e30e8-c1{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2667_1e30e8-c1, .kt-inside-inner-col > .kadence-column2667_1e30e8-c1:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column2667_1e30e8-c1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_1e30e8-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_1e30e8-c1, .kt-inside-inner-col > .kadence-column2667_1e30e8-c1:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_1e30e8-c1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55, .wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55[data-kb-block=\"kb-adv-heading2667_8b3a77-55\"]{margin-top:-20px;margin-bottom:30px;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55[data-kb-block=\"kb-adv-heading2667_8b3a77-55\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55[data-kb-block=\"kb-adv-heading2667_8b3a77-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55, .wp-block-kadence-advancedheading.kt-adv-heading2667_8b3a77-55[data-kb-block=\"kb-adv-heading2667_8b3a77-55\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading2667_8b3a77-55 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2667_8b3a77-55\">A Quick Note On Riders Versus Standalone Policies<\/h2>\n\n\n\n<p class=\"\">Some couples choose to wait until they have children to purchase life insurance for themselves. This allows them to streamline the process by adding a child life insurance rider to one of the parents&#8217; policies.<\/p>\n\n\n\n<p class=\"\">A rider is an additional feature that provides extra coverage to a life insurance policy.<\/p>\n\n\n\n<p class=\"\">As with any insurance option, child riders have their advantages and disadvantages. Some companies specialize in child term riders, while others offer riders tailored for children with special needs.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_9c6592-e9{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2667_9c6592-e9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2667_9c6592-e9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2667_9c6592-e9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:20px;padding-bottom:80px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2667_9c6592-e9 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_9c6592-e9 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_9c6592-e9 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:10px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_9c6592-e9 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{display:flex;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:10px;padding-left:0px;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col,.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:flex-start;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_3d4bdc-f9{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_3d4bdc-f9{position:relative;}.kadence-column2667_3d4bdc-f9, .kt-inside-inner-col > .kadence-column2667_3d4bdc-f9:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_3d4bdc-f9{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:flex-start;}}@media all and (max-width: 1024px){.kadence-column2667_3d4bdc-f9, .kt-inside-inner-col > .kadence-column2667_3d4bdc-f9:not(.specificity){margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:flex-start;align-items:flex-start;}.kt-row-column-wrap > .kadence-column2667_3d4bdc-f9{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3d4bdc-f9 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2667_3d4bdc-f9, .kt-inside-inner-col > .kadence-column2667_3d4bdc-f9:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_3d4bdc-f9 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"688\" height=\"906\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Advantages-of-an-IUL-for-Kids-688x1024-1.png\" alt=\"\" class=\"wp-image-2676\" style=\"width:597px;height:auto\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Advantages-of-an-IUL-for-Kids-688x1024-1.png 688w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2024\/09\/Advantages-of-an-IUL-for-Kids-688x1024-1-228x300.png 228w\" sizes=\"auto, (max-width: 688px) 100vw, 688px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column2667_8df9ed-76 > .kt-inside-inner-col,.kadence-column2667_8df9ed-76 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_8df9ed-76 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_8df9ed-76 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2667_8df9ed-76 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2667_8df9ed-76 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_8df9ed-76{position:relative;}@media all and (max-width: 1024px){.kadence-column2667_8df9ed-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2667_8df9ed-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2667_8df9ed-76\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">5 Reasons Why Life Insurance for Children is a Good Idea.<\/h2>\n\n\n\n<p class=\"\">A life insurance policy for your children can offer many benefits and advantages as they grow up. <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"\"><strong>Immediate Life Insurance Coverage<\/strong><br>Your child will receive life insurance coverage right away, lasting until they reach 18 or 23 years old, depending on the insurer. When the policy nears maturity, most plans allow continued coverage regardless of health or job status.<\/li>\n<\/ol>\n\n\n\n<p class=\"\">Although most children are born healthy, unexpected health conditions like diabetes or cancer can occur at any age. Starting a policy early ensures your child maintains life insurance as they grow older.<\/p>\n\n\n\n<p class=\"\">As they mature and likely start their own family, a serious health condition developed at a young age could make life insurance unaffordable\u2014or worse, unavailable altogether.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li class=\"\"><strong>Children&#8217;s Life Insurance Is Very Affordable<\/strong><br>Many life insurance companies offer policies with coverage amounts ranging from $5,000 to $50,000 for children. These policies can cost as little as $4 per month, depending on the child\u2019s age and the amount of coverage. Premiums are locked in for the life of the policy, so you won\u2019t face any unexpected increases.<\/li>\n<\/ol>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2667_418ba5-1b{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2667_418ba5-1b > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2667_418ba5-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2667_418ba5-1b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:20px;padding-bottom:100px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2667_418ba5-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2667_418ba5-1b > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2667_418ba5-1b > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2667_418ba5-1b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column2667_3fce77-5b > .kt-inside-inner-col{display:flex;}.kadence-column2667_3fce77-5b > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column2667_3fce77-5b > .kt-inside-inner-col,.kadence-column2667_3fce77-5b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2667_3fce77-5b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2667_3fce77-5b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_3fce77-5b > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2667_3fce77-5b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_3fce77-5b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2667_3fce77-5b{position:relative;}.kadence-column2667_3fce77-5b, .kt-inside-inner-col > .kadence-column2667_3fce77-5b:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column2667_3fce77-5b > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2667_3fce77-5b{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2667_3fce77-5b, .kt-inside-inner-col > .kadence-column2667_3fce77-5b:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column2667_3fce77-5b > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column2667_3fce77-5b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2667_3fce77-5b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2667_3fce77-5b, .kt-inside-inner-col > .kadence-column2667_3fce77-5b:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column2667_3fce77-5b\"><div class=\"kt-inside-inner-col\">\n<p class=\"\"><\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li class=\"\"><strong>Cash Value and Living Benefits<\/strong><br>Permanent life insurance for children, such as whole life or universal life, can create a financial nest egg. As premiums are paid, a portion goes toward a cash value that grows over time with interest. The policy owner, whether you or your child, can borrow against this cash value for any purpose. However, borrowing will reduce the death benefit and accrue interest. Families often use these funds to cover expenses like:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">College tuition<\/li>\n\n\n\n<li class=\"\">A down payment on a home<\/li>\n\n\n\n<li class=\"\">Wedding costs<\/li>\n\n\n\n<li class=\"\">Collateral for loans<\/li>\n\n\n\n<li class=\"\">Buying a first car<\/li>\n<\/ul>\n\n\n\n<p class=\"\">If you\u2019re sure your child will attend college, a 529 plan is a good way to save for tuition. If you\u2019re unsure, the cash value gives your child more flexibility for their future. It is important to know that FASA do not currently ask about insurance cash value to calculate your net worth -meaning it won&#8217;t count against any potential scholarship application!<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li class=\"\"><strong>Doubling the Coverage<\/strong><br>When the policy matures, your child can assume ownership, and many policies allow the coverage amount to double. For instance, a $20,000 or $50,000 policy can increase to $40,000 or $100,000 automatically. This increased coverage boosts the cash value and ensures more life insurance protection as your child builds their own family.<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li class=\"\"><strong>Coverage for Funeral Costs and Grieving Time<\/strong><br>While no one wants to think about the loss of a child, tragedies do happen. A life insurance policy can cover funeral expenses and other outstanding bills, such as medical costs not covered by health insurance. It also provides a financial cushion, giving parents the time to focus on grieving without additional financial stress.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How to Buy Life Insurance for Children\u200b<\/h2>\n\n\n\n<p class=\"\">Life insurance policies for children are now offered by many companies. Whether you&#8217;re a new parent or grandparent, you can provide a strong financial foundation for your child\u2019s future starting today. That said, it&#8217;s important to choose the right plan for your family\u2019s needs.<\/p>\n\n\n\n<p class=\"\">Children&#8217;s life insurance policies can differ in terms of coverage limits, underwriting requirements, and costs, which can vary greatly depending on the provider.<\/p>\n\n\n\n<p class=\"\">With so many options available, it&#8217;s best to consult an independent life insurance agent. Independent agents can work with different carriers to find a policy that is most flexible for your child\u2019s unique needs. Since independent agents have access to numerous life insurance providers, they can compare policies for you, saving you both time and money.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Why Buy Life Insurance for Your Kids? Buying life insurance for children is just one of the many ways you can give your child a financially sound future. One of the biggest benefits is the incredible variety of policies offered by many insurance companies. Most of these can fit any family\u2019s budget. IUL for Children&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-2667","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Buy Life Insurance for Your Kids?<\/title>\n<meta name=\"description\" content=\"Buying life insurance for children is just one of the many ways you can give your child a financially sound future. 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