CampusNest™
The superior alternative to 529 plans. Why limit yourself to just college planning when you can secure your family's future in so many more ways?
THE CampusNest™ FUELS LIFE PREPARATION
We all know that life is far from predictable. Traditional college savings plans limit your investment gains strictly for education, imposing steep tax penalties if your child's plans change. And what happens if the stock market dips? With college tuition soaring over 20% in the last decade, we cannot risk negative returns.
That's why we designed the CampusNest™ plan. CampusNest™ offers the same market-driven returns as traditional college savings plans but with bonus advantages: full downside protection and unrestricted use of your proceeds. This means you benefit when the market rises, while your principal remains protected from risk. Moreover, CampusNest™ provides exceptional flexibility, allowing you to access your funds on your terms, for any purpose, with tax-free growth...and no penalties.
Invest in your child’s future beyond just college. Let us help you prepare for the unpredictable and seize new opportunities along the way.
One of the primary benefits of LifetimeShield™ lies in its ability to provide tax-free compounded growth.
ESTABLISH A DEBT-FREE FUTURE THROUGH
CampusNest™
01
Market-Driven Growth
You can choose your own growth path
Returns are determined by the indexes you select. You have the option to allocate all or a portion of your plan’s accumulation value to earn compounded interest tied to the positive performance of an external market. Interest is credited annually on the policy anniversary, reflecting the actual performance of the selected index and the applied crediting method.
02
Tax-Free Growth
Experience continued growth and none of the taxes
Your contributions into CampusNest™ earns interest for you and compounds tax-free within your CampusNest™ plan. This puts the power of compounding on your side, taking full advantage of tax-free earnings allowing your interest to grow faster.
03
Access Funds Tax-Free
Optimal liquidity for when you need it
Through CampusNest™, your funds are available whenever you need them, without the need to liquidate the assets and for any purpose you choose. Inside your CampusNest™ plan, your money grows tax-deferred, and you can access it tax-free on your schedule. This means CampusNest™ offers you the flexibility to use your funds for your child's college expenses or any other purpose you decide.
04
Avoid All Market Losses
Experience total peace with no market risks
Your principal and your accumulated interest will always be protected against market downturns. Your plan tracks the performance of your selected index(es) – but you are not actually participating in the market or buying shares in any index.
If at the end of the crediting period:
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Your chosen index shows a positive return, then interest is credited to the policy’s accumulation value.
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Your chosen index shows a negative return, you will not earn interest, but you will not lose any money.
05
Completely Flexible Use of Funds
Access you money when you need, for whatever you need
The CampusNest™ plan provides unmatched flexibility in how you can use your funds. Whether your goals are short-term, like covering your child’s education, or long-term, like securing their retirement, CampusNest™ allows you to customize your financial strategy to fit your child’s unique needs, all without any tax implications based on how you choose to utilize the funds.
DISCLAIMER: The indexes available within the contract are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. Guarantees are backed solely by the financial strength and claims-paying ability of the carrier. This content is general information for educational purposes, and is not intended to constitute fiduciary advice.