ARI Blog


What is the easiest and most efficient way to save for college and is the most flexible plan that guarantees a lifetime gift for your child?

A College Life Plan creates a living legacy that will accumulate cash value with each passing year—GUARANTEED.

A College Life insurance plan gives you an easy and affordable way to save for college and insurance. You can choose the monthly contribution that works best with your budget!

Why do I need a College Life Plan?

Life insurance can last a lifetime. You decide how many payments to make, and we design the plan that meets your child’s life track. The policy you purchase for a son or daughter today can still be there when they need it.

Most gifts depreciate over time. A permanent life insurance policy, on the other hand, accumulates cash value each year. Cash values can be borrowed for any purpose — to provide a down payment on a first home, to help pay for college, to capitalize on a business or other opportunity, even to help fund a comfortable retirement decades from now.

Cash in policy grows free of income tax, capital gains tax, gift tax, estate tax, and generation-skipping tax.

Lock-in Life Insurance premiums of a child (the absolute lowest), for the entire life of the child. i.e. Life Insurance premiums at 70 years old will be the same as they were at 7 years old––very low!

The Product Options

The College Life Plan is a superb option that not only provides guaranteed protection, but also can accumulate funds to help offset any number of future financial obligations.

What other gift can offer the following long-term benefits?

  • Locks in insurability now
  • Tax-advantaged accessible cash accumulations and income-tax-free death benefit
  • Level, predictable premiums
  • It can be fully paid up in 10 or 20 years but continues to increase in value over a lifetime
  • Guaranteed values not affected by market fluctuations
  • Funds can be used for other purposes if the child doesn’t attend college


Give your children the future they deserve.
College education is the gift that keeps on giving.


To learn more about whole life insurance for college planning, contact us at

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