Kid Rich Co.

01/12/2026

If you are thinking about life insurance with living benefits, here a quick quote site I built that includes a lot of the companies I have contracts with. (I won't provide insurance without living benefits) Since it's my site and I don't sell leads you don't have to worry about anyone contacting you to solicit life insurance. Text me if you want me to run specific numbers for you. Or fill out the app minus the banking info and beneficiaries and I can run it for you without having to get you on the phone immediately. I always run rates at an average or standard rating. Only chose excellent if you are under 65 are on no meds and have a low or average bmi. Always better to under promise and over deliver when it comes to quoting people or looking at projected account growth. 🙂 if you don't already have my work number it's (850) 776-5965.
If you have questions, just shoot me an email or text.

Get instant, real-time life insurance quotes from top-rated carriers. Compare Term, IUL, Final Expense and Whole Life/Infinite Banking policies to find the best coverage for your needs, all with personalized assistance from your licensed agent.

12/13/2025

Check out our TikTok too

Check out Tara Ezell LLC’s post.

12/11/2025

How a Juvenile IUL Can Be a Lifeline for Your Child: Even in Situations You Never Want to Imagine

As parents, we dream of our children's bright futures: graduation day, their first car, a beautiful wedding, maybe grandchildren someday. We plan for the milestones we can see coming. But there's another side to parenting that keeps us awake at night: the scenarios we pray never happen but know we need to prepare for anyway. Today, I want to have an honest conversation about how a Juvenile IUL isn't just about funding the good times....

As parents, we dream of our children’s bright futures: graduation day, their first car, a beautiful wedding, maybe grandchildren someday. We plan for the milestones we can see coming. But the…

12/11/2025

Imagine if your child had their own startup fund before they could even drive! With our early legacy and asset plan, your little one’s Juvenile IUL isn’t just a safety net: it’s their launchpad for entrepreneurial dreams. Whether your child dreams of launching a lemonade stand at 7 or starting a tech venture at 17, their IUL can provide the asset and business starter fund to make it real.

We’re here to help parents empower kids with opportunities most of us only wished for: a real financial foundation and the confidence to pursue any vision. It’s never too early to build their legacy and teach them practical wealth-building from the start. Ready to take the first step? Let’s talk!

12/10/2025

Picture this: You walk into an insurance office, excited to set up a juvenile IUL for your little one, and the agent hits you with:

"Great! But first, we need to look at your own life insurance coverage."

And immediately your brain goes:

Wait—are they implying I would… harm my own child?
Sir. I can barely get them to put socks on. Murder is not on my to-do list.

When you apply for a juvenile IUL, the insurance company looks at your life insurance first.

The actual guideline is:
The parent/grandparent/trust applying must have equal or greater coverage than the child. Most prefer double coverage though.

This rule exists to prevent something called “moral hazard,” but let’s be honest — the only “hazard” in your home is your kid pouring a gallon of milk into a kid's cereal bowl with a straw attached to it.

🧠 Why Insurance Companies Do This
1️⃣ Because YOU are the breadwinner, not the toddler
Your child is adorable, but unless they’re running a YouTube empire or day-trading from a booster seat, they’re probably not contributing financially.

You, on the other hand?

If you disappear, the whole household feels it.

Insurance companies design coverage around financial loss. Losing a parent is financially devastating. Losing a child is emotionally devastating, but that tko from life doesn’t wreck the mortgage. (According to the insurance company).

So:
Parent, or policy owner must be adequately insured → THEN child can be insured.

**2️⃣ It prevents “weird financial motives”

(Their words, not mine…but also kind of mine)**

They don’t want little Johnny insured for $500,000 while Mom and Dad carry $0 - $50K each.
That’s a true crime podcast waiting to happen.

It’s simply about proportionality and financial logic.

3️⃣ It ensures parents aren’t neglecting their own protection

Parents LOVE to protect their kids while leaving themselves financially exposed.

This rule forces the “oxygen mask” principle:

You first.
Then the baby.
Even though the baby is cuter.

11/18/2025

Here’s the truth: you can’t wait around for schools to teach your kids money basics. The UK’s new push for mandatory financial literacy classes is huge, but millions of parents there already know they have to start the money talk at home, early and often.

And globally? Child Development Accounts (CDAs) are on the rise, and Singapore is leading the pack. Kids there have asset-building savings accounts from birth: and it’s changing the game for their futures. What can American families learn? Smart parents set the foundation for lifelong wealth, starting NOW. At Kid Rich Co., we believe every child deserves a head start. Don’t wait for someday: take control with structured, practical money habits your family can use today. The Million Dollar Baby Method isn’t just a dream, it’s what happens when you choose to build generational wealth one smart step at a time.

Ready to start your child’s financial journey? Let’s talk.

11/10/2025

You've seen them flooding your social media feeds. The desperate pleas from families facing unimaginable circumstances. "Help 7-year-old Emma fight cancer." "Support the Johnson family after losing their dad." "Emergency fund for little Marcus's medical bills." GoFundMe has become America's unofficial healthcare and emergency relief system, with families scrambling to raise money when disaster strikes. But here's the uncomfortable truth: we've normalized crisis fundraising when we should be building crisis prevention....

You’ve seen them flooding your social media feeds. The desperate pleas from families facing unimaginable circumstances. “Help 7-year-old Emma fight cancer.” “Support the Joh…

11/10/2025

Did you know there's a secret in the tax code that can set your child up for lifelong wealth? Tax Code 7702 is the reason Juvenile IULs are so powerful: they allow you to build savings for your child that grow tax-free, stay flexible, and give them long-term protection. Unlike a regular savings account, 7702 lets you put money into an Index Universal Life policy where growth isn't taxed and both you and your child can access funds any time: with no penalty!

Juvenile IULs are built to maximize these 7702 advantages. That means your kid gets more than just insurance: they get a head start at building the kind of financial future most families only dream about. It’s simple, revolutionary, and designed exactly with busy parents in mind.

DM us to give your child the ultimate financial edge!

11/10/2025

Most parents have never heard of Tax Code 7702, but it might be the most powerful wealth-building tool available for your child's future. This little-known section of the tax code creates a unique financial environment that lets your money grow tax-free while giving your child lifelong protection: and when combined with a Juvenile IUL, it becomes an absolute game changer....

Most parents have never heard of Tax Code 7702, but it might be the most powerful wealth-building tool available for your child’s future. This little-known section of the tax code creates a u…

11/04/2025

Hit em with that real razzle dazzle….
Get them a trust fund. ;)