Help Your Child Buy Their First Home
Build a tax-free down payment fund that grows with market returns
Start Building Their Down PaymentThe Scenario
You want to give your child a head start on homeownership. The average first-time buyer is now 36 years old - up from 29 in 1981. Rising home prices and student debt are making it nearly impossible for young adults to buy.
The Problem
529 plans can't be used for home purchases without penalties. UGMA/UTMA accounts give the child full control at 18-21 - they could spend it all before they're ready to buy. Savings accounts lose purchasing power to inflation.
The Solution
A Child Life Portfolio lets you build a tax-free fund specifically for a home down payment. You maintain control until you're ready to help, and the money grows tax-free with market-linked returns and principal protection.
"We helped our son with his down payment using funds we'd been building since he was a baby. No penalties, no taxes, no restrictions."- Parents who funded a first home
How It Works
Start Early
Open a Child Life Portfolio when your child is young. The earlier you start, the more time for tax-free compound growth.
Fund Consistently
Make regular contributions that fit your budget. Your cash value grows tax-free, protected from market downturns.
Access When Ready
When your child needs funds for first home down payment, access the money through tax-free policy loans.
Keep the Benefits
Your child retains lifetime life insurance coverage and the policy continues growing for future needs.
Start Building Their Down Payment
Learn how a Child Life Portfolio can help you prepare for your child's first home down payment.
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