[{"data":1,"prerenderedAt":972},["ShallowReactive",2],{"navigation":3,"page-\u002Fiul\u002Fcollege-funding\u002Fage-50":822,"folder-children-\u002Fiul\u002Fcollege-funding\u002Fage-50":971},[4,8,144,172,176,311,330,334,476,486,589,635,782],{"title":5,"path":6,"stem":7},"About","\u002Fabout","about",{"title":9,"path":10,"stem":11,"children":12},"Annuities","\u002Fannuities","annuities",[13,15,37,58,83,104,125],{"title":9,"path":10,"stem":14},"annuities\u002Findex",{"title":16,"path":17,"stem":18,"children":19,"page":36},"Deferred","\u002Fannuities\u002Fdeferred","annuities\u002Fdeferred",[20,24,28,32],{"title":21,"path":22,"stem":23},"deferred income annuity with $1,000,000 premium","\u002Fannuities\u002Fdeferred\u002F1-million","annuities\u002Fdeferred\u002F1-million",{"title":25,"path":26,"stem":27},"Deferred income annuity with $100,000 premium","\u002Fannuities\u002Fdeferred\u002F100k","annuities\u002Fdeferred\u002F100k",{"title":29,"path":30,"stem":31},"deferred income annuity with $250,000 premium","\u002Fannuities\u002Fdeferred\u002F250k","annuities\u002Fdeferred\u002F250k",{"title":33,"path":34,"stem":35},"deferred income annuity with $500,000 premium","\u002Fannuities\u002Fdeferred\u002F500k","annuities\u002Fdeferred\u002F500k",false,{"title":38,"path":39,"stem":40,"children":41,"page":36},"Fixed Index","\u002Fannuities\u002Ffixed-index","annuities\u002Ffixed-index",[42,46,50,54],{"title":43,"path":44,"stem":45},"fixed indexed annuity with $100,000 premium","\u002Fannuities\u002Ffixed-index\u002F100k","annuities\u002Ffixed-index\u002F100k",{"title":47,"path":48,"stem":49},"fixed indexed annuity with $250,000 premium","\u002Fannuities\u002Ffixed-index\u002F250k","annuities\u002Ffixed-index\u002F250k",{"title":51,"path":52,"stem":53},"fixed indexed annuity with $500,000 premium","\u002Fannuities\u002Ffixed-index\u002F500k","annuities\u002Ffixed-index\u002F500k",{"title":55,"path":56,"stem":57},"fixed indexed annuity with $750,000 premium","\u002Fannuities\u002Ffixed-index\u002F750k","annuities\u002Ffixed-index\u002F750k",{"title":59,"path":60,"stem":61,"children":62,"page":36},"Immediate","\u002Fannuities\u002Fimmediate","annuities\u002Fimmediate",[63,67,71,75,79],{"title":64,"path":65,"stem":66},"single premium immediate annuity with $1,000,000 premium","\u002Fannuities\u002Fimmediate\u002F1-million","annuities\u002Fimmediate\u002F1-million",{"title":68,"path":69,"stem":70},"single premium immediate annuity with $100,000 premium","\u002Fannuities\u002Fimmediate\u002F100k","annuities\u002Fimmediate\u002F100k",{"title":72,"path":73,"stem":74},"single premium immediate annuity with $250,000 premium","\u002Fannuities\u002Fimmediate\u002F250k","annuities\u002Fimmediate\u002F250k",{"title":76,"path":77,"stem":78},"single premium immediate annuity with $500,000 premium","\u002Fannuities\u002Fimmediate\u002F500k","annuities\u002Fimmediate\u002F500k",{"title":80,"path":81,"stem":82},"single premium immediate annuity with $750,000 premium","\u002Fannuities\u002Fimmediate\u002F750k","annuities\u002Fimmediate\u002F750k",{"title":84,"path":85,"stem":86,"children":87,"page":36},"Lifetime Income","\u002Fannuities\u002Flifetime-income","annuities\u002Flifetime-income",[88,92,96,100],{"title":89,"path":90,"stem":91},"lifetime income annuity with $1,000,000 premium","\u002Fannuities\u002Flifetime-income\u002F1-million","annuities\u002Flifetime-income\u002F1-million",{"title":93,"path":94,"stem":95},"lifetime income annuity with $100,000 premium","\u002Fannuities\u002Flifetime-income\u002F100k","annuities\u002Flifetime-income\u002F100k",{"title":97,"path":98,"stem":99},"lifetime income annuity with $500,000 premium","\u002Fannuities\u002Flifetime-income\u002F500k","annuities\u002Flifetime-income\u002F500k",{"title":101,"path":102,"stem":103},"lifetime income annuity with $750,000 premium","\u002Fannuities\u002Flifetime-income\u002F750k","annuities\u002Flifetime-income\u002F750k",{"title":105,"path":106,"stem":107,"children":108,"page":36},"Myga","\u002Fannuities\u002Fmyga","annuities\u002Fmyga",[109,113,117,121],{"title":110,"path":111,"stem":112},"multi-year guaranteed annuity with $1,000,000 premium","\u002Fannuities\u002Fmyga\u002F1-million","annuities\u002Fmyga\u002F1-million",{"title":114,"path":115,"stem":116},"multi-year guaranteed annuity with $250,000 premium","\u002Fannuities\u002Fmyga\u002F250k","annuities\u002Fmyga\u002F250k",{"title":118,"path":119,"stem":120},"multi-year guaranteed annuity with $500,000 premium","\u002Fannuities\u002Fmyga\u002F500k","annuities\u002Fmyga\u002F500k",{"title":122,"path":123,"stem":124},"multi-year guaranteed annuity with $750,000 premium","\u002Fannuities\u002Fmyga\u002F750k","annuities\u002Fmyga\u002F750k",{"title":126,"path":127,"stem":128,"children":129,"page":36},"Ohio","\u002Fannuities\u002Fohio","annuities\u002Fohio",[130],{"title":131,"path":132,"stem":133,"children":134,"page":36},"Safe Growth","\u002Fannuities\u002Fohio\u002Fsafe-growth","annuities\u002Fohio\u002Fsafe-growth",[135],{"title":136,"path":137,"stem":138,"children":139,"page":36},"Fixed Indexed","\u002Fannuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed","annuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed",[140],{"title":141,"path":142,"stem":143},"Fixed Indexed Annuity With a $500,000 Premium in Ohio","\u002Fannuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed\u002F500k-premium","annuities\u002Fohio\u002Fsafe-growth\u002Ffixed-indexed\u002F500k-premium",{"title":145,"path":146,"stem":11,"children":147,"page":36},"Nnuities","\u002Fnnuities",[148,154,160,166],{"title":16,"path":149,"stem":18,"children":150,"page":36},"\u002Fnnuities\u002Fdeferred",[151],{"title":152,"path":153,"stem":153},"Deferred income annuity with $750,000 premium","annuities\u002Fdeferred\u002F750k",{"title":38,"path":155,"stem":40,"children":156,"page":36},"\u002Fnnuities\u002Ffixed-index",[157],{"title":158,"path":159,"stem":159},"fixed indexed annuity with $1,000,000 premium","annuities\u002Ffixed-index\u002F1-million",{"title":84,"path":161,"stem":86,"children":162,"page":36},"\u002Fnnuities\u002Flifetime-income",[163],{"title":164,"path":165,"stem":165},"lifetime income annuity with $250,000 premium","annuities\u002Flifetime-income\u002F250k",{"title":105,"path":167,"stem":107,"children":168,"page":36},"\u002Fnnuities\u002Fmyga",[169],{"title":170,"path":171,"stem":171},"multi-year guaranteed annuity with $100,000 premium","annuities\u002Fmyga\u002F100k",{"title":173,"path":174,"stem":175},"Contact","\u002Fcontact","contact",{"title":177,"path":178,"stem":179,"children":180},"Final Expense","\u002Ffinal-expense","final-expense",[181,184,198,219,236,261,286],{"title":182,"path":178,"stem":183},"Final Expense Insurance","final-expense\u002Findex",{"title":185,"path":186,"stem":187,"children":188,"page":36},"Arizona","\u002Ffinal-expense\u002Farizona","final-expense\u002Farizona",[189],{"title":190,"path":191,"stem":192,"children":193,"page":36},"Seniors","\u002Ffinal-expense\u002Farizona\u002Fseniors","final-expense\u002Farizona\u002Fseniors",[194],{"title":195,"path":196,"stem":197},"Final Expense Insurance for Seniors in Arizona on Fixed Income","\u002Ffinal-expense\u002Farizona\u002Fseniors\u002Fage-65-fixed-income","final-expense\u002Farizona\u002Fseniors\u002Fage-65-fixed-income",{"title":199,"path":200,"stem":201,"children":202,"page":36},"Diabetics","\u002Ffinal-expense\u002Fdiabetics","final-expense\u002Fdiabetics",[203,207,211,215],{"title":204,"path":205,"stem":206},"Final expense at age 65 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-65","final-expense\u002Fdiabetics\u002Fage-65",{"title":208,"path":209,"stem":210},"Final expense at age 70 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-70","final-expense\u002Fdiabetics\u002Fage-70",{"title":212,"path":213,"stem":214},"Final expense at age 80 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-80","final-expense\u002Fdiabetics\u002Fage-80",{"title":216,"path":217,"stem":218},"Final expense at age 85 (type 2 diabetes)","\u002Ffinal-expense\u002Fdiabetics\u002Fage-85","final-expense\u002Fdiabetics\u002Fage-85",{"title":220,"path":221,"stem":222,"children":223,"page":36},"Fixed Income","\u002Ffinal-expense\u002Ffixed-income","final-expense\u002Ffixed-income",[224,228,232],{"title":225,"path":226,"stem":227},"Final expense at age 65 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-65","final-expense\u002Ffixed-income\u002Fage-65",{"title":229,"path":230,"stem":231},"Final expense at age 75 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-75","final-expense\u002Ffixed-income\u002Fage-75",{"title":233,"path":234,"stem":235},"Final expense at age 80 (fixed income)","\u002Ffinal-expense\u002Ffixed-income\u002Fage-80","final-expense\u002Ffixed-income\u002Fage-80",{"title":237,"path":238,"stem":239,"children":240,"page":36},"Graded Benefit","\u002Ffinal-expense\u002Fgraded-benefit","final-expense\u002Fgraded-benefit",[241,245,249,253,257],{"title":242,"path":243,"stem":244},"Final expense at age 65 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-65","final-expense\u002Fgraded-benefit\u002Fage-65",{"title":246,"path":247,"stem":248},"Final expense at age 70 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-70","final-expense\u002Fgraded-benefit\u002Fage-70",{"title":250,"path":251,"stem":252},"Final expense at age 75 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-75","final-expense\u002Fgraded-benefit\u002Fage-75",{"title":254,"path":255,"stem":256},"Final expense at age 80 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-80","final-expense\u002Fgraded-benefit\u002Fage-80",{"title":258,"path":259,"stem":260},"Final expense at age 85 (graded benefit)","\u002Ffinal-expense\u002Fgraded-benefit\u002Fage-85","final-expense\u002Fgraded-benefit\u002Fage-85",{"title":262,"path":263,"stem":264,"children":265,"page":36},"Guaranteed Issue","\u002Ffinal-expense\u002Fguaranteed-issue","final-expense\u002Fguaranteed-issue",[266,270,274,278,282],{"title":267,"path":268,"stem":269},"Final expense at age 65 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-65","final-expense\u002Fguaranteed-issue\u002Fage-65",{"title":271,"path":272,"stem":273},"Final expense at age 70 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-70","final-expense\u002Fguaranteed-issue\u002Fage-70",{"title":275,"path":276,"stem":277},"Final expense at age 75 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-75","final-expense\u002Fguaranteed-issue\u002Fage-75",{"title":279,"path":280,"stem":281},"Final expense at age 80 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-80","final-expense\u002Fguaranteed-issue\u002Fage-80",{"title":283,"path":284,"stem":285},"Final expense at age 85 (guaranteed issue)","\u002Ffinal-expense\u002Fguaranteed-issue\u002Fage-85","final-expense\u002Fguaranteed-issue\u002Fage-85",{"title":287,"path":288,"stem":289,"children":290,"page":36},"No Medical Exam","\u002Ffinal-expense\u002Fno-medical-exam","final-expense\u002Fno-medical-exam",[291,295,299,303,307],{"title":292,"path":293,"stem":294},"Final expense at age 65 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-65","final-expense\u002Fno-medical-exam\u002Fage-65",{"title":296,"path":297,"stem":298},"Final expense at age 70 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-70","final-expense\u002Fno-medical-exam\u002Fage-70",{"title":300,"path":301,"stem":302},"Final expense at age 75 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-75","final-expense\u002Fno-medical-exam\u002Fage-75",{"title":304,"path":305,"stem":306},"Final expense at age 80 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-80","final-expense\u002Fno-medical-exam\u002Fage-80",{"title":308,"path":309,"stem":310},"Final expense at age 85 (no medical exam)","\u002Ffinal-expense\u002Fno-medical-exam\u002Fage-85","final-expense\u002Fno-medical-exam\u002Fage-85",{"title":312,"path":313,"stem":179,"children":314,"page":36},"Inal Expense","\u002Final-expense",[315,321],{"title":199,"path":316,"stem":201,"children":317,"page":36},"\u002Final-expense\u002Fdiabetics",[318],{"title":319,"path":320,"stem":320},"Final expense at age 75 (type 2 diabetes)","final-expense\u002Fdiabetics\u002Fage-75",{"title":220,"path":322,"stem":222,"children":323,"page":36},"\u002Final-expense\u002Ffixed-income",[324,327],{"title":325,"path":326,"stem":326},"Final expense at age 70 (fixed income)","final-expense\u002Ffixed-income\u002Fage-70",{"title":328,"path":329,"stem":329},"Final expense at age 85 (fixed income)","final-expense\u002Ffixed-income\u002Fage-85",{"title":331,"path":332,"stem":333},"American Coverage Advisor","\u002F","index",{"title":335,"path":336,"stem":337,"children":338},"Iul","\u002Fiul","iul",[339,342,356,381,406,431,455],{"title":340,"path":336,"stem":341},"Indexed Universal Life","iul\u002Findex",{"title":343,"path":344,"stem":345,"children":346,"page":36},"California","\u002Fiul\u002Fcalifornia","iul\u002Fcalifornia",[347],{"title":348,"path":349,"stem":350,"children":351,"page":36},"Max Funded","\u002Fiul\u002Fcalifornia\u002Fmax-funded","iul\u002Fcalifornia\u002Fmax-funded",[352],{"title":353,"path":354,"stem":355},"Max Funded IUL for a 35-Year-Old in California","\u002Fiul\u002Fcalifornia\u002Fmax-funded\u002Fage-35","iul\u002Fcalifornia\u002Fmax-funded\u002Fage-35",{"title":357,"path":358,"stem":359,"children":360,"page":36},"Cash Value","\u002Fiul\u002Fcash-value","iul\u002Fcash-value",[361,365,369,373,377],{"title":362,"path":363,"stem":364},"cash value accumulation IUL at age 30","\u002Fiul\u002Fcash-value\u002Fage-30","iul\u002Fcash-value\u002Fage-30",{"title":366,"path":367,"stem":368},"cash value accumulation IUL at age 35","\u002Fiul\u002Fcash-value\u002Fage-35","iul\u002Fcash-value\u002Fage-35",{"title":370,"path":371,"stem":372},"cash value accumulation IUL at age 40","\u002Fiul\u002Fcash-value\u002Fage-40","iul\u002Fcash-value\u002Fage-40",{"title":374,"path":375,"stem":376},"cash value accumulation IUL at age 45","\u002Fiul\u002Fcash-value\u002Fage-45","iul\u002Fcash-value\u002Fage-45",{"title":378,"path":379,"stem":380},"cash value accumulation IUL at age 50","\u002Fiul\u002Fcash-value\u002Fage-50","iul\u002Fcash-value\u002Fage-50",{"title":382,"path":383,"stem":384,"children":385,"page":36},"Catch Up","\u002Fiul\u002Fcatch-up","iul\u002Fcatch-up",[386,390,394,398,402],{"title":387,"path":388,"stem":389},"catch-up funding IUL at age 30","\u002Fiul\u002Fcatch-up\u002Fage-30","iul\u002Fcatch-up\u002Fage-30",{"title":391,"path":392,"stem":393},"catch-up funding IUL at age 35","\u002Fiul\u002Fcatch-up\u002Fage-35","iul\u002Fcatch-up\u002Fage-35",{"title":395,"path":396,"stem":397},"catch-up funding IUL at age 40","\u002Fiul\u002Fcatch-up\u002Fage-40","iul\u002Fcatch-up\u002Fage-40",{"title":399,"path":400,"stem":401},"catch-up funding IUL at age 45","\u002Fiul\u002Fcatch-up\u002Fage-45","iul\u002Fcatch-up\u002Fage-45",{"title":403,"path":404,"stem":405},"catch-up funding IUL at age 50","\u002Fiul\u002Fcatch-up\u002Fage-50","iul\u002Fcatch-up\u002Fage-50",{"title":407,"path":408,"stem":409,"children":410,"page":36},"College Funding","\u002Fiul\u002Fcollege-funding","iul\u002Fcollege-funding",[411,415,419,423,427],{"title":412,"path":413,"stem":414},"education funding IUL at age 30","\u002Fiul\u002Fcollege-funding\u002Fage-30","iul\u002Fcollege-funding\u002Fage-30",{"title":416,"path":417,"stem":418},"education funding IUL at age 35","\u002Fiul\u002Fcollege-funding\u002Fage-35","iul\u002Fcollege-funding\u002Fage-35",{"title":420,"path":421,"stem":422},"education funding IUL at age 40","\u002Fiul\u002Fcollege-funding\u002Fage-40","iul\u002Fcollege-funding\u002Fage-40",{"title":424,"path":425,"stem":426},"education funding IUL at age 45","\u002Fiul\u002Fcollege-funding\u002Fage-45","iul\u002Fcollege-funding\u002Fage-45",{"title":428,"path":429,"stem":430},"Education funding IUL at age 50","\u002Fiul\u002Fcollege-funding\u002Fage-50","iul\u002Fcollege-funding\u002Fage-50",{"title":348,"path":432,"stem":433,"children":434,"page":36},"\u002Fiul\u002Fmax-funded","iul\u002Fmax-funded",[435,439,443,447,451],{"title":436,"path":437,"stem":438},"max funded IUL at age 30","\u002Fiul\u002Fmax-funded\u002Fage-30","iul\u002Fmax-funded\u002Fage-30",{"title":440,"path":441,"stem":442},"max funded IUL at age 35","\u002Fiul\u002Fmax-funded\u002Fage-35","iul\u002Fmax-funded\u002Fage-35",{"title":444,"path":445,"stem":446},"max funded IUL at age 40","\u002Fiul\u002Fmax-funded\u002Fage-40","iul\u002Fmax-funded\u002Fage-40",{"title":448,"path":449,"stem":450},"max funded IUL at age 45","\u002Fiul\u002Fmax-funded\u002Fage-45","iul\u002Fmax-funded\u002Fage-45",{"title":452,"path":453,"stem":454},"max funded IUL at age 50","\u002Fiul\u002Fmax-funded\u002Fage-50","iul\u002Fmax-funded\u002Fage-50",{"title":456,"path":457,"stem":458,"children":459,"page":36},"Tax Free Retirement","\u002Fiul\u002Ftax-free-retirement","iul\u002Ftax-free-retirement",[460,464,468,472],{"title":461,"path":462,"stem":463},"tax-free retirement IUL at age 30","\u002Fiul\u002Ftax-free-retirement\u002Fage-30","iul\u002Ftax-free-retirement\u002Fage-30",{"title":465,"path":466,"stem":467},"tax-free retirement IUL at age 35","\u002Fiul\u002Ftax-free-retirement\u002Fage-35","iul\u002Ftax-free-retirement\u002Fage-35",{"title":469,"path":470,"stem":471},"tax-free retirement IUL at age 45","\u002Fiul\u002Ftax-free-retirement\u002Fage-45","iul\u002Ftax-free-retirement\u002Fage-45",{"title":473,"path":474,"stem":475},"tax-free retirement IUL at age 50","\u002Fiul\u002Ftax-free-retirement\u002Fage-50","iul\u002Ftax-free-retirement\u002Fage-50",{"title":477,"path":478,"stem":337,"children":479,"page":36},"Ul","\u002Ful",[480],{"title":456,"path":481,"stem":458,"children":482,"page":36},"\u002Ful\u002Ftax-free-retirement",[483],{"title":484,"path":485,"stem":485},"tax-free retirement IUL at age 40","iul\u002Ftax-free-retirement\u002Fage-40",{"title":487,"path":488,"stem":489,"children":490},"Mortgage Protection","\u002Fmortgage-protection","mortgage-protection",[491,494,506,522,539,559],{"title":492,"path":488,"stem":493},"Mortgage Protection Insurance","mortgage-protection\u002Findex",{"title":185,"path":495,"stem":496,"children":497,"page":36},"\u002Fmortgage-protection\u002Farizona","mortgage-protection\u002Farizona",[498,502],{"title":499,"path":500,"stem":501},"Mortgage Protection for a $1,000,000 Balance in arizona","\u002Fmortgage-protection\u002Farizona\u002F1-million","mortgage-protection\u002Farizona\u002F1-million",{"title":503,"path":504,"stem":505},"Mortgage Protection for a $500,000 Balance in Arizona","\u002Fmortgage-protection\u002Farizona\u002F500k","mortgage-protection\u002Farizona\u002F500k",{"title":343,"path":507,"stem":508,"children":509,"page":36},"\u002Fmortgage-protection\u002Fcalifornia","mortgage-protection\u002Fcalifornia",[510,514,518],{"title":511,"path":512,"stem":513},"Mortgage Protection for a $100,000 Balance in California","\u002Fmortgage-protection\u002Fcalifornia\u002F100k","mortgage-protection\u002Fcalifornia\u002F100k",{"title":515,"path":516,"stem":517},"Mortgage Protection for a $500,000 Balance in california","\u002Fmortgage-protection\u002Fcalifornia\u002F500k","mortgage-protection\u002Fcalifornia\u002F500k",{"title":519,"path":520,"stem":521},"Mortgage Protection for a $750,000 Balance in California","\u002Fmortgage-protection\u002Fcalifornia\u002F750k","mortgage-protection\u002Fcalifornia\u002F750k",{"title":523,"path":524,"stem":525,"children":526,"page":36},"Florida","\u002Fmortgage-protection\u002Fflorida","mortgage-protection\u002Fflorida",[527,531,535],{"title":528,"path":529,"stem":530},"Mortgage Protection for a $1,000,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F1-million","mortgage-protection\u002Fflorida\u002F1-million",{"title":532,"path":533,"stem":534},"Mortgage Protection for a $100,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F100k","mortgage-protection\u002Fflorida\u002F100k",{"title":536,"path":537,"stem":538},"Mortgage Protection for a $500,000 Balance in florida","\u002Fmortgage-protection\u002Fflorida\u002F500k","mortgage-protection\u002Fflorida\u002F500k",{"title":126,"path":540,"stem":541,"children":542,"page":36},"\u002Fmortgage-protection\u002Fohio","mortgage-protection\u002Fohio",[543,547,551,555],{"title":544,"path":545,"stem":546},"Mortgage Protection for a $1,000,000 Balance in ohio","\u002Fmortgage-protection\u002Fohio\u002F1-million","mortgage-protection\u002Fohio\u002F1-million",{"title":548,"path":549,"stem":550},"Mortgage Protection for a $250,000 Balance in Ohio","\u002Fmortgage-protection\u002Fohio\u002F250k","mortgage-protection\u002Fohio\u002F250k",{"title":552,"path":553,"stem":554},"Mortgage Protection for a $500,000 Balance in Ohio","\u002Fmortgage-protection\u002Fohio\u002F500k","mortgage-protection\u002Fohio\u002F500k",{"title":556,"path":557,"stem":558},"Mortgage Protection for a $750,000 Balance in ohio","\u002Fmortgage-protection\u002Fohio\u002F750k","mortgage-protection\u002Fohio\u002F750k",{"title":560,"path":561,"stem":562,"children":563,"page":36},"Texas","\u002Fmortgage-protection\u002Ftexas","mortgage-protection\u002Ftexas",[564,568,572,576,580],{"title":565,"path":566,"stem":567},"Mortgage Protection for a $1,000,000 Balance in texas","\u002Fmortgage-protection\u002Ftexas\u002F1-million","mortgage-protection\u002Ftexas\u002F1-million",{"title":569,"path":570,"stem":571},"Mortgage Protection for a $250,000 Balance in texas","\u002Fmortgage-protection\u002Ftexas\u002F250k","mortgage-protection\u002Ftexas\u002F250k",{"title":573,"path":574,"stem":575},"Mortgage Protection for a $500,000 Balance in Texas","\u002Fmortgage-protection\u002Ftexas\u002F500k","mortgage-protection\u002Ftexas\u002F500k",{"title":577,"path":578,"stem":579},"Mortgage Protection for a $750,000 Balance in Texas","\u002Fmortgage-protection\u002Ftexas\u002F750k","mortgage-protection\u002Ftexas\u002F750k",{"title":581,"path":582,"stem":583,"children":584,"page":36},"Self Employed","\u002Fmortgage-protection\u002Ftexas\u002Fself-employed","mortgage-protection\u002Ftexas\u002Fself-employed",[585],{"title":586,"path":587,"stem":588},"Mortgage Protection Insurance for Self-Employed Texas Homeowners","\u002Fmortgage-protection\u002Ftexas\u002Fself-employed\u002F250k","mortgage-protection\u002Ftexas\u002Fself-employed\u002F250k",{"title":590,"path":591,"stem":489,"children":592,"page":36},"Ortgage Protection","\u002Fortgage-protection",[593,605,614,623,629],{"title":185,"path":594,"stem":496,"children":595,"page":36},"\u002Fortgage-protection\u002Farizona",[596,599,602],{"title":597,"path":598,"stem":598},"Mortgage Protection for a $100,000 Balance in Arizona","mortgage-protection\u002Farizona\u002F100k",{"title":600,"path":601,"stem":601},"Mortgage Protection for a $250,000 Balance in arizona","mortgage-protection\u002Farizona\u002F250k",{"title":603,"path":604,"stem":604},"Mortgage Protection for a $750,000 Balance in arizona","mortgage-protection\u002Farizona\u002F750k",{"title":343,"path":606,"stem":508,"children":607,"page":36},"\u002Fortgage-protection\u002Fcalifornia",[608,611],{"title":609,"path":610,"stem":610},"Mortgage Protection for a $1,000,000 Balance in california","mortgage-protection\u002Fcalifornia\u002F1-million",{"title":612,"path":613,"stem":613},"Mortgage Protection for a $250,000 Balance in california","mortgage-protection\u002Fcalifornia\u002F250k",{"title":523,"path":615,"stem":525,"children":616,"page":36},"\u002Fortgage-protection\u002Fflorida",[617,620],{"title":618,"path":619,"stem":619},"Mortgage Protection for a $250,000 Balance in Florida","mortgage-protection\u002Fflorida\u002F250k",{"title":621,"path":622,"stem":622},"Mortgage Protection for a $750,000 Balance in Florida","mortgage-protection\u002Fflorida\u002F750k",{"title":126,"path":624,"stem":541,"children":625,"page":36},"\u002Fortgage-protection\u002Fohio",[626],{"title":627,"path":628,"stem":628},"Mortgage Protection for a $100,000 Balance in Ohio","mortgage-protection\u002Fohio\u002F100k",{"title":560,"path":630,"stem":562,"children":631,"page":36},"\u002Fortgage-protection\u002Ftexas",[632],{"title":633,"path":634,"stem":634},"Mortgage Protection for a $100,000 Balance in Texas","mortgage-protection\u002Ftexas\u002F100k",{"title":636,"path":637,"stem":638,"children":639},"Term Life","\u002Fterm-life","term-life",[640,643,673,694,719,744,765],{"title":641,"path":637,"stem":642},"Term Life Insurance","term-life\u002Findex",{"title":644,"path":645,"stem":646,"children":647,"page":36},"Age 30","\u002Fterm-life\u002Fage-30","term-life\u002Fage-30",[648,652,656,660,664],{"title":649,"path":650,"stem":651},"$1,000,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F1-million","term-life\u002Fage-30\u002F1-million",{"title":653,"path":654,"stem":655},"$2,000,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F2-million","term-life\u002Fage-30\u002F2-million",{"title":657,"path":658,"stem":659},"$250,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F250k","term-life\u002Fage-30\u002F250k",{"title":661,"path":662,"stem":663},"$500,000 term life at age 30","\u002Fterm-life\u002Fage-30\u002F500k","term-life\u002Fage-30\u002F500k",{"title":665,"path":666,"stem":667,"children":668,"page":36},"No Exam","\u002Fterm-life\u002Fage-30\u002Fno-exam","term-life\u002Fage-30\u002Fno-exam",[669],{"title":670,"path":671,"stem":672},"$100,000 term life at age 30, no exam","\u002Fterm-life\u002Fage-30\u002Fno-exam\u002F100k","term-life\u002Fage-30\u002Fno-exam\u002F100k",{"title":674,"path":675,"stem":676,"children":677,"page":36},"Age 40","\u002Fterm-life\u002Fage-40","term-life\u002Fage-40",[678,682,686],{"title":679,"path":680,"stem":681},"$1,000,000 term life at age 40","\u002Fterm-life\u002Fage-40\u002F1-million","term-life\u002Fage-40\u002F1-million",{"title":683,"path":684,"stem":685},"$250,000 term life at age 40","\u002Fterm-life\u002Fage-40\u002F250k","term-life\u002Fage-40\u002F250k",{"title":665,"path":687,"stem":688,"children":689,"page":36},"\u002Fterm-life\u002Fage-40\u002Fno-exam","term-life\u002Fage-40\u002Fno-exam",[690],{"title":691,"path":692,"stem":693},"$100,000 term life at age 40, no exam","\u002Fterm-life\u002Fage-40\u002Fno-exam\u002F100k","term-life\u002Fage-40\u002Fno-exam\u002F100k",{"title":695,"path":696,"stem":697,"children":698,"page":36},"Age 50","\u002Fterm-life\u002Fage-50","term-life\u002Fage-50",[699,703,707,711],{"title":700,"path":701,"stem":702},"$2,000,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F2-million","term-life\u002Fage-50\u002F2-million",{"title":704,"path":705,"stem":706},"$250,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F250k","term-life\u002Fage-50\u002F250k",{"title":708,"path":709,"stem":710},"$500,000 term life at age 50","\u002Fterm-life\u002Fage-50\u002F500k","term-life\u002Fage-50\u002F500k",{"title":665,"path":712,"stem":713,"children":714,"page":36},"\u002Fterm-life\u002Fage-50\u002Fno-exam","term-life\u002Fage-50\u002Fno-exam",[715],{"title":716,"path":717,"stem":718},"$100,000 term life at age 50, no exam","\u002Fterm-life\u002Fage-50\u002Fno-exam\u002F100k","term-life\u002Fage-50\u002Fno-exam\u002F100k",{"title":720,"path":721,"stem":722,"children":723,"page":36},"Age 60","\u002Fterm-life\u002Fage-60","term-life\u002Fage-60",[724],{"title":665,"path":725,"stem":726,"children":727,"page":36},"\u002Fterm-life\u002Fage-60\u002Fno-exam","term-life\u002Fage-60\u002Fno-exam",[728,732,736,740],{"title":729,"path":730,"stem":731},"$1,000,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F1-million","term-life\u002Fage-60\u002Fno-exam\u002F1-million",{"title":733,"path":734,"stem":735},"$2,000,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F2-million","term-life\u002Fage-60\u002Fno-exam\u002F2-million",{"title":737,"path":738,"stem":739},"$250,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F250k","term-life\u002Fage-60\u002Fno-exam\u002F250k",{"title":741,"path":742,"stem":743},"$500,000 term life at age 60, no exam","\u002Fterm-life\u002Fage-60\u002Fno-exam\u002F500k","term-life\u002Fage-60\u002Fno-exam\u002F500k",{"title":745,"path":746,"stem":747,"children":748,"page":36},"Age 70","\u002Fterm-life\u002Fage-70","term-life\u002Fage-70",[749],{"title":665,"path":750,"stem":751,"children":752,"page":36},"\u002Fterm-life\u002Fage-70\u002Fno-exam","term-life\u002Fage-70\u002Fno-exam",[753,757,761],{"title":754,"path":755,"stem":756},"$1,000,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F1-million","term-life\u002Fage-70\u002Fno-exam\u002F1-million",{"title":758,"path":759,"stem":760},"$100,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F100k","term-life\u002Fage-70\u002Fno-exam\u002F100k",{"title":762,"path":763,"stem":764},"$500,000 term life at age 70, no exam","\u002Fterm-life\u002Fage-70\u002Fno-exam\u002F500k","term-life\u002Fage-70\u002Fno-exam\u002F500k",{"title":523,"path":766,"stem":767,"children":768,"page":36},"\u002Fterm-life\u002Fflorida","term-life\u002Fflorida",[769],{"title":665,"path":770,"stem":771,"children":772,"page":36},"\u002Fterm-life\u002Fflorida\u002Fno-exam","term-life\u002Fflorida\u002Fno-exam",[773],{"title":774,"path":775,"stem":776,"children":777,"page":36},"20 Year","\u002Fterm-life\u002Fflorida\u002Fno-exam\u002F20-year","term-life\u002Fflorida\u002Fno-exam\u002F20-year",[778],{"title":779,"path":780,"stem":781},"20-Year No-Exam Term Life Insurance for $500,000 in Florida","\u002Fterm-life\u002Fflorida\u002Fno-exam\u002F20-year\u002F500k","term-life\u002Fflorida\u002Fno-exam\u002F20-year\u002F500k",{"title":783,"path":784,"stem":638,"children":785,"page":36},"Erm Life","\u002Ferm-life",[786,795,801,810],{"title":674,"path":787,"stem":676,"children":788,"page":36},"\u002Ferm-life\u002Fage-40",[789,792],{"title":790,"path":791,"stem":791},"$2,000,000 term life at age 40","term-life\u002Fage-40\u002F2-million",{"title":793,"path":794,"stem":794},"$500,000 term life at age 40","term-life\u002Fage-40\u002F500k",{"title":695,"path":796,"stem":697,"children":797,"page":36},"\u002Ferm-life\u002Fage-50",[798],{"title":799,"path":800,"stem":800},"$1,000,000 term life at age 50","term-life\u002Fage-50\u002F1-million",{"title":720,"path":802,"stem":722,"children":803,"page":36},"\u002Ferm-life\u002Fage-60",[804],{"title":665,"path":805,"stem":726,"children":806,"page":36},"\u002Ferm-life\u002Fage-60\u002Fno-exam",[807],{"title":808,"path":809,"stem":809},"$100,000 term life at age 60, no exam","term-life\u002Fage-60\u002Fno-exam\u002F100k",{"title":745,"path":811,"stem":747,"children":812,"page":36},"\u002Ferm-life\u002Fage-70",[813],{"title":665,"path":814,"stem":751,"children":815,"page":36},"\u002Ferm-life\u002Fage-70\u002Fno-exam",[816,819],{"title":817,"path":818,"stem":818},"$2,000,000 term life at age 70, no exam","term-life\u002Fage-70\u002Fno-exam\u002F2-million",{"title":820,"path":821,"stem":821},"$250,000 term life at age 70, no exam","term-life\u002Fage-70\u002Fno-exam\u002F250k",{"id":823,"title":428,"addons":824,"age_band":825,"audience":825,"author":331,"body":826,"citations":945,"compliance":825,"coverage_amount":825,"cta":952,"description":825,"estimated_cost":953,"extension":959,"faq":960,"head":825,"intent":825,"kind":961,"last_reviewed":962,"meta":963,"navigation":964,"ogImage":825,"path":429,"query_term":965,"related_paths":966,"reviewed_by":825,"robots":825,"schemaOrg":825,"seo":967,"sitemap":968,"state":825,"stem":430,"term_length":825,"type":825,"underwriting":825,"unique_hooks":969,"__hash__":970},"content\u002Fiul\u002Fcollege-funding\u002Fage-50.md",[],null,{"type":827,"value":828,"toc":930},"minimark",[829,834,838,841,844,858,862,865,868,872,875,878,881,885,888,891,895,898,901,904,908,913,916,920,923,927],[830,831,833],"h2",{"id":832},"direct-answer","Direct answer",[835,836,837],"p",{},"Education funding IUL at age 50 only works when the tuition clock still leaves room for cash value to build and for policy charges to stay manageable. The age 50 time horizon matters because college funding often starts sooner than a permanent policy can mature, so the policy has to carry both the funding need and the insurance cost at the same time.",[835,839,840],{},"The funding design also sits under 7702 \u002F MEC pressure. A max-funded structure can push against the 7702 corridor and MEC limits, which changes how much premium can go in before the policy loses favorable tax treatment on distributions. If the plan depends on policy loans for college payments, the loan balance, loan interest, and cash value trajectory have to stay aligned for years, not months.",[835,842,843],{},"Frozen illustrative range: $312 to $464 per month, with a $380 base monthly figure.",[835,845,846,847,851,852,851,855],{},"Related paths: ",[848,849,850],"a",{"href":336},"IUL hub",", ",[848,853,854],{"href":437},"max-funded at age 30",[848,856,857],{"href":425},"college funding at age 45",[830,859,861],{"id":860},"who-this-permutation-is-for","Who this permutation is for",[835,863,864],{},"This permutation fits a 50-year-old parent or grandparent who wants an education funding IUL with a longer runway than a direct college savings account can offer, and who can keep premiums steady long enough for cash value to matter.",[835,866,867],{},"It also fits a household that wants permanent life insurance in the background while using policy loans as a future funding source. The college goal is still the driver, but the insurance design has to be acceptable on its own terms.",[830,869,871],{"id":870},"what-changes-the-price-or-payout","What changes the price or payout",[835,873,874],{},"Caps, floors, participation rates, policy fees, and cost of insurance all affect how much cash value can build by the time tuition is due. A higher cap or participation rate can improve credited growth in a strong index year, but the floor still limits downside crediting rather than eliminating policy charges.",[835,876,877],{},"Loan interest matters just as much as index crediting. If college funding depends on borrowing from the policy, the loan balance can grow while cash value is still trying to compound, and that gap can shrink the margin that keeps the policy in force.",[835,879,880],{},"At age 50, funding discipline matters more than aggressive premium pacing. A max-funded plan may hit MEC pressure sooner, while a lighter premium pattern may avoid that pressure but leave too little cash value for college needs.",[830,882,884],{"id":883},"underwriting-eligibility-for-these-parameters","Underwriting \u002F eligibility for these parameters",[835,886,887],{},"Eligibility is subject to underwriting and carrier guidelines. Availability varies by state, and final rate depends on health and risk class. A 50-year-old applicant with common health issues can still be insurable, but the policy charge structure can change enough to alter the college-funding math.",[835,889,890],{},"For this use case, underwriting has to be read with the funding schedule. If the premium target is tight, even a modest shift in cost of insurance or rider charges can change whether the policy stays usable for education funding.",[830,892,894],{"id":893},"when-it-is-a-bad-fit","When it is a bad fit",[835,896,897],{},"An education funding IUL at age 50 is a bad fit when the first tuition bills are too close, because the policy may not have enough time to build meaningful cash value before withdrawals or loans begin.",[835,899,900],{},"It is also a bad fit when the family wants a simple college savings plan without policy loans, cash value monitoring, or lapse risk. If premium flexibility is low, the policy can become hard to sustain once education expenses begin.",[835,902,903],{},"It is a poor fit when the plan needs clean, predictable accumulation. A 50-year-old buyer who needs the education money to stay separate from insurance mechanics should look elsewhere.",[830,905,907],{"id":906},"faqs","FAQs",[909,910,912],"h3",{"id":911},"how-does-7702-change-college-funding-at-age-50","How does 7702 change college funding at age 50?",[835,914,915],{},"Section 7702 limits the tax treatment of life insurance, so a max-funded college plan at age 50 has to stay inside those boundaries. If premium funding pushes too hard, MEC rules can change how future distributions work.",[909,917,919],{"id":918},"can-policy-loans-pay-tuition","Can policy loans pay tuition?",[835,921,922],{},"Yes, policy loans can be used for tuition, but the loan balance and loan interest reduce the margin inside the policy. The plan only works if the cash value and loan schedule stay healthy through the school years.",[909,924,926],{"id":925},"what-happens-if-the-policy-is-funded-too-late","What happens if the policy is funded too late?",[835,928,929],{},"If funding starts too late, the policy may not build enough cash value before college bills arrive. That creates more pressure on premiums, less room for loan growth, and a higher lapse risk.",{"title":931,"searchDepth":932,"depth":932,"links":933},"",2,[934,935,936,937,938,939],{"id":832,"depth":932,"text":833},{"id":860,"depth":932,"text":861},{"id":870,"depth":932,"text":871},{"id":883,"depth":932,"text":884},{"id":893,"depth":932,"text":894},{"id":906,"depth":932,"text":907,"children":940},[941,943,944],{"id":911,"depth":942,"text":912},3,{"id":918,"depth":942,"text":919},{"id":925,"depth":942,"text":926},[946,949],{"title":947,"url":948},"26 U.S.C. § 7702","https:\u002F\u002Fwww.law.cornell.edu\u002Fuscode\u002Ftext\u002F26\u002F7702",{"title":950,"url":951},"NAIC — Life insurance","https:\u002F\u002Fcontent.naic.org\u002Fcipr-topics\u002Flife-insurance","\u002Fquote",{"base_monthly":954,"min_monthly":955,"max_monthly":956,"noise_pct":957,"agitator_seed":430,"update_ms":958},380,312,464,0.06,1800,"md",[],"policy","2026-09-14",{},true,"education funding iul age 50",[],{"title":428},{"loc":429},[],"9AELP7ZDWWjc2jCVBTWRcmiyjGY67bjpjsDML5h_f9s",[],1789440055046]