For about $3 a day, you can hand your child a financial head start that grows tax-free, is never lost when the market falls, and can pay them income for life. How? Simply with an IUL Policy, some smart decisions and the power of compounding
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These illustrative scenarios — drawn from Michael's guide, How to Guarantee Your Child's Financial Future for Just $3 Per Day — capture the three feelings parents tell him about most: the regret of waiting, the wish to leave something lasting, and the picture of a child who never has to worry.
At 71, Robert remembered watching $200,000 in the market fall to $112,000 in 2008 — and the years of working he could never get back. "I can't recover those years," he said, "but maybe you can help me make sure my children never have to say what I just said."
He opened policies for three children that day. At Christmas, he called it "the best money I ever spent."
Helen planned to give her newborn twin children savings bonds — until a neighbor showed her a policy her own mother had started at birth, now worth over $280,000 and never touched.
Helen opened policies for both twins before they were eight weeks old. "It's the best birthday present I will ever give them," she said, "even though they'll never know it the day they open their presents."
Michael asked a client to picture his daughter Sophie at retirement: her friends watching their accounts swing with the market, while Sophie collects a tax-free income from a policy he started when she was six weeks old.
"She never worried about it. It just… grew." After a long pause, the father asked the question Michael hears most: "Can we start one for her little brother too?"
Please note: The stories above are illustrative scenarios created for educational purposes to show common situations and motivations — they are composite examples, not testimonials, endorsements, or descriptions of specific clients, and they do not represent or guarantee any particular outcome. Policy results depend on carrier, design, underwriting, and index performance.
Click any "Book My Free Call" button to grab a 20-minute slot. No paperwork, no commitment — just a friendly conversation about your child and your goals.
You'll see a real carrier illustration with actual numbers, and Michael walks you through it line by line — every question answered.
If it's the right fit, the policy is put in place. From that day on, your child has a protected, growing financial foundation for life.
I help families across the country to Build Your Financial Confidence™ — To give your family clarity about their financial future and the protection to back it up. I structure policies for your children, the same way I already have structured them for my own family: conservatively, transparently, and with the long game in mind.
On our call, there's no script and no pressure. Just honest answers and a clear illustration so you can decide what's right for your children.
Every year you wait, three things quietly work against your child — and none of them can be undone later.
A policy started at age 5 has 60 years to compound before retirement. Wait until they're 15, and you've handed away a decade of growth that can never be recovered.
A healthy child qualifies easily today. One diagnosis later can make coverage expensive — or impossible. Locking it in now guarantees they'll always have it.
Cash gifts get spent. Savings get drained. A properly structured policy is a disciplined, protected asset still there decades from now — when it matters most.
Because of decades of tax-advantaged, compounding growth, a modest monthly contribution started in childhood can grow into something life-changing by retirement.
Figures are illustrative of how indexed universal life can perform over a multi-decade horizon and are not a guarantee. Actual results depend on carrier, policy design, the child's age, and index performance. Your free consultation includes a personalized carrier illustration with real numbers.
Sixty years from now, they won't remember the gifts.
They'll remember that you set them up to win.
Book your free 20-minute call and see exactly how.
If you're exploring how to give your child a lasting financial head start, an Indexed Universal Life (IUL) insurance policy is one of the most flexible tools available. Below is a plain-English overview of how it works, who it's for, and the questions Virginia parents ask most. When you're ready to see real numbers for your own child, Michael McMeniman offers a free 20-minute call.
An IUL is a type of permanent life insurance that builds cash value over time. Instead of earning a fixed rate, the cash value is credited based on the performance of a market index (such as the S&P 500), with two key protections: a floor that prevents losses when the index falls, and a cap or participation rate that defines how much of the gain is credited in strong years. Started early in a child's life, the policy has decades to grow on a tax-advantaged basis.
A common starting point for a young child is around $90 per month — about $3 a day. The right amount depends on the child's age and your goals. A personalized illustration shows options at several contribution levels so you can choose what fits your budget, with no obligation to proceed.
A 529 plan offers tax advantages but is generally restricted to qualified education expenses, with penalties for other uses. A savings account is fully flexible but offers little growth and no protection or tax advantage. An IUL aims to combine tax-advantaged growth, protection from market losses, and flexible access for any purpose in the child's life. Each tool has tradeoffs; a consultation compares them for your specific situation.
In most states, a parent's blood relationship satisfies the insurable interest requirement needed to insure a child. The child's parent provides written consent as a standard part of the application, and carriers apply their own juvenile underwriting guidelines. Have no fear, Michael walks you through each of these steps so nothing is left to guesswork.
An IUL is a long-term commitment, and it isn't the right fit for everyone. It works best when you can fund it consistently over time and you value protection and flexibility alongside growth. The honest way to find out is a short conversation that looks at your goals and your child's situation, with a clear illustration of real numbers — and no pressure to move forward.
Book a free, no-obligation 20-minute call with Michael McMeniman of Maneuver Financial. You'll get a personalized illustration and honest answers — and you decide what's right for your family.
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