A real-world Indexed Universal Life policy sold for a child illustrates the hidden costs, opportunity costs, commission incentives, and performance risks families should understand before using life insurance as a savings strategy.

Many consumers discover too late that their annuities—especially Fixed Index Annuities—underperformed due to lowered caps and unclear expectations. An independent review by a Licensed Life Insurance Analyst can reveal better options, prevent costly mistakes, and provide true annuity rescue strategies. Partner with LifeInsuranceReview.com (LIR) for a trusted, unbiased second opinion.

Are you considering cash value life insurance as a way to save for your child's college education? You might want to think again...