The Million Dollar Baby Strategy

Start at 14 Days Old
Build a Legacy

Indexed Universal Life (IUL) for babies: tax-advantaged growth, market protection with 0% floor, and lifelong coverage. The original juvenile IUL advantage.
$100-200+
Monthly / 20 years
0% Floor
Market Protection
Tax-Free
Growth & Access

No medical exam required • Parent interview only

14 Days Old

Eligible immediately

Projected Growth S&P 500 linked
Year 1 Age 18 Age 40 Age 65

0% floor protects against market loss

College funding Tax-free retirement Lifetime coverage
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Why IulBaby?

Market Protection

0% floor guarantees your cash value never decreases due to market downturns. All upside, no downside.

Index-linked growth

Tax-Advantaged

Tax-deferred growth and tax-free withdrawals for college, first home, or retirement. The ultimate legacy vehicle.

Tax-free access

Lifelong Coverage

Guaranteed insurability for life. Even if future health issues arise, your child is covered forever.

Permanent protection

Costs & Structure

  • $100-$200+/month – affordable for children
  • Often funded for just 20 years
  • No medical exam (health questions + parent interview)
  • High fees can reduce returns – we choose low-cost carriers

Growth Potential

$1M+
potential at retirement*
  • Linked to S&P 500 and other indexes
  • 0% floor – no market losses
  • Caps apply, but growth compounds tax-free

*Based on historical index performance. Not guaranteed.

Qualifications – No Exam

Most children qualify

Simple health questions and a brief parent interview. Start as early as 14 days old.

Age 14 days – 18 years

Eligible immediately after birth

No medical exam

Health questions only

Parent interview

Simple 15-minute call

Million Dollar Baby Calculator

See how $150/month can grow

150 /month for 20 years
$1,247,000

Projected at age 65 (based on 7% avg. return)*

Important Considerations

Performance is not guaranteed and relies on market index caps. If the market performs poorly, the policy may not grow as expected. High fees can reduce returns. All guarantees subject to the claims-paying ability of the issuing insurance company. IulBaby partners with top-rated carriers.