Solutions to the climbing costs of college

With tuition skyrocketing, parents of college-bound kids face a wrenching financial decision: drain their savings into college tuition or burden their children with student loans. The good news is that there are ways to pay for college while protecting your client's retirement savings all at the same time.

An innovative approach to college funding

LifePro was the first IMO to utilize indexed universal life, IUL, as a tool for college funding. Tax-free growth, tax-free distribution, and principal protection are among the many benefits of this financial vehicle. Given that every parent’s financial situation is unique and each student is equally as diverse, LifePro will provide you with the tools to exceed the expectations of both parties.


Click the button below to receive a free 30 minute consultation with our Director of College Planning, Gabriel Lindemann!








Video Library



Expected Family Contribution

The 3 Expected Family Contribution Options for College Funding

One of the most effective ways to save for college is to lower your expected family contribution (EFC) score when applying for financial aid. In this video, Gabriel shows you the three options you can employ to lower your EFC score and maximize your child's eligibility for grants and scholarships.



MEC Whole Life Contract

EFC Option #1 for College Funding: MEC Whole Life Contract

Though the calculation of an Expected Family Contribution (EFC) is quite formulaic, there are three unique options families can take to reduce their EFC and receive the most assistance. The first option is to use a MEC Whole Life Contract. What we like to call a "bond alternative". In this video, Gabriel presents a sample scenario of a family looking to reduce their EFC by utilizing a MEC Whole Life Contract.



Stacking MYGA

EFC Option #2 for College Funding: Stacking MYGA

The second EFC option for college funding is to use a Stacking Multi-Year Guaranteed Annuity (MYGA). What we like to call a "CD alternative". In this video, Gabriel continues the conversation and reviews the second option families can take to reduce their EFC by utilizing a Stacking MYGA.



Indexed Universal Life

EFC Option #3 for College Funding: Indexed Universal Life

The third EFC option for college funding is to use an Indexed Universal Life policy. In this video, Gabriel continues the conversation and reviews the third option families can take to reduce their EFC by utilizing an IUL contract.