Comprehensive Capabilities

  The foundation of AWP Life Brokerage is the belief that firms are strengthened by the ability to work in tandem as a unified consortium.  Our specializations include insurance concepts and...

Industry Leader

  AWP has proven continual leadership in delivery of benefits solutions for companies of any size as well as we continue to be a leading enterprise in life insurance planning and...

Institutional Relationships

Institutional accounts are integral to our overall distribution plan.  We define institutions as banks, wirehouses, regional broker dealers, and CPA networks. AWP has acquired recognition as a player in the institutional...

Pioneering Captive Insurance

Introduction Despite the fact that the concept of “captive” traces its origins to the beginnings of formalized trade, many people believe captive insurance companies to be a relatively new phenomenon.  Formed...

Premium Financing

Many affluent clients are aware of the benefits that life insurance can provide.  However, clients often harbor concerns that a substantial income tax liability will result from liquidating low basis...


College Planning

Beyond College Savings Plan

The Indexed Universal Life (IUL) College Savings Plan is a user-friendly and affordable way to save for college with juvenile life insurance.  It offers tax‐advantaged growth and savings for college and beyond, providing flexibility and lifetime growth not available with other college savings products.  With as little as $5 a day, your child or grandchild can be advantaged with a running start on their college education and more secured for success beyond college.


The IUL College Savings Plan is a strategy that utilizes an A+-rated Insurance carrier's Indexed Universal Life insurance policy linked to the performance of the S&P 500 with downside protection.


The IUL College Savings Plan is guaranteed to increase, by a minimum interest rate of 2 percent every year, with no regard to the performance of the S&P 500® index.  Moreover, in years when the S&P 500® increases, additional interest will be credited to you annually up to a specified cap (currently 14 percent). Alternatively, when the S&P 500® decreases, the minimum interest rate of 2 percent provides downside protection.



The IUL College Savings Plan is properly articulated and structured, and thus cash value growth is free of income tax, capital gains tax, gift tax, estate tax, and is creditor and lawsuit protected.


Access to your money

As policy owners, parents are able to access cash value on a tax‐free basis through either withdrawals or loans.  Loans and withdrawals will reduce the cash value and death benefit amounts.


Insurance for life

Your child or grandchild can have permanent life insurance for the duration of their life, regardless of future health or insurability.


Flexible payments

Policy owners choose the annual contribution to fit their budget, and can decide to contribute more at any time.  Also, policy cash value can be used to pay future premiums.


FAFSA exclusion

The IUL College Savings Plan is excluded from the FAFSA (Federal Application For Student Aid) application – you will not be penalized for having made the choice to save for college.



Unlike other plans, you do not need to use the savings associated with this plan to pay for college – the policy cash value can be used at any time and for any purpose without penalty (e.g., a down payment for a home, to start a business).


Why Choose The IUL College Savings Plan?

The IUL College Savings Plan gives you advantages that other college savings plans lack.  It offers guaranteed interest, flexible premiums, and growth potential linked to but never negatively impacted by the performance of the S&P 500®, thus rendering it less volatile and involved by less risk than other plans.  Unlike other college savings plans, you can use the savings anytime, for any purpose, and your insurance savings conveniently are generally sheltered from financial aid need analysis formulas.  You will not be penalized later for saving for college now.  Also, your child can have permanent insurance for life, regardless of future health or insurability.