College Education Planning
Don't let tuition become a burden. Learn the rules to legally maximize Financial Aid eligibility.
Don't let tuition become a burden. Learn the rules to legally maximize Financial Aid eligibility.
When colleges calculate your Expected Family Contribution (now SAI), not all assets are counted. Cash Value Life Insurance and Annuities are typically excluded from the FAFSA calculation.
While 529 plans offer tax-free growth for education, they are counted as assets and reduce aid eligibility. Cash Value Life Insurance (IUL/Whole Life) protects your aid eligibility and offers more flexibility.
| Feature | 529 Plan | Life Insurance (IUL) |
|---|---|---|
| FAFSA Impact | Reduces Aid (Asset) | No Impact (Hidden) |
| Usage | Education Only | Any Purpose |
| Market Risk | Subject to Losses | Downside Protection |
The earlier you structure your assets, the better your chances for Financial Aid.