If you’re a caring parent or grandparent, you want to give your child a starting chance—a little financial security that grows with them. So it can sting to hear that a new program might not include kids born before 2025 or families who don’t meet certain requirements.
Good news: you’re not late and you’re not out of options. Children’s annuities have been quietly helping families build future protection and lifetime income for decades—often starting at just $5 a month.
They’re straightforward, flexible, and designed to work whether your child is a newborn, in elementary school, or entering their teens. And they aren’t tied to changing government rules. If your child doesn’t qualify for a “Trump Account,” an annuity can be the smart, leading alternative.
A Quick Note on the New “Trump Accounts” (So You Know Where You Stand)
Here’s the short version:
- Federal seed money is limited to children born in 2025 or later
- Many families won’t qualify due to paperwork, tax status, or household circumstances
- These accounts often come with age-based rules and timelines you can’t control
If your child doesn’t qualify—or was born before 2025—focus on what you can control: building tax-deferred growth that can turn into lifetime income through a children’s annuity.
Why Children’s Annuities Are a Smart Alternative
While headlines focus on new programs, many families are choosing a proven path that’s simple and steady: children’s annuities.
Works for Kids Born Before 2025 (and Everyone Else)
No age cutoffs. Whether your child is a newborn, 5, or 15, you can start now and let time and compound interest do the heavy lifting.
Real Lifetime Income Potential
Design an income stream your child can turn on when it matters—after college, starting a family, buying a first home—and keep it for life.
Simple, Flexible Options
Choose what fits your comfort level:
- Fixed annuities for guaranteed growth
- Indexed annuities for growth potential with downside protection
- Variable annuities for market participation
Less Red Tape, More Control
Skip the hoops and focus on your goals:
- No federal eligibility hurdles
- No program termination dates you can’t change
- Straightforward applications and beneficiary planning
How Children’s Annuities Build Real Wealth
Let’s turn small, steady contributions into real future protection.
Start Small, Think Long
Even $5–$50 a month can compound over time. The earlier you start, the more years your child’s money has to grow—without forcing withdrawals before they’re ready.
Protect What You Build
Depending on the annuity type, you can prioritize:
- Guaranteed growth and principal protection
- The option to convert savings into lifetime income
- Beneficiary strategies that can help avoid probate
Tax-Deferred Growth Without Red Tape
Your money grows tax-deferred, letting compounding work harder for your child while keeping things simple.
A Quick Scenario You Can Picture
- Age 6: You start an annuity with a small monthly contribution
- Age 18–25: Decide whether to keep growing or schedule a future income start date
- Adulthood: Turn on income during a key life moment—or keep the account growing for later
“You’re not behind—you’re right on time. Starting now gives your child a powerful head start most adults wish they had.” — Shaneil L. Tunis, Licensed Insurance Agent
What families are saying:
“We wanted something steady for our grandson. Setting up a small monthly contribution felt doable—and now we have a plan for his first apartment.” — Maria G., grandmother in Georgia
“I liked how simple it was. We picked an annuity plan, chose a initial premium input and an additional monthly contribution, and we’re set. It feels good to know our kids have future protection.” — Devon P., dad of two in Ohio
Quick Snapshot: Why Families Choose Annuities for Kids Born Before 2025
- Start with as little as $5/month—grow at your pace
- Tax-deferred growth that harnesses compound interest
- Potential to create lifetime income your child can’t outlive
- Options to protect principal and lock in guarantees
- Simple beneficiary planning that can help avoid probate
- Works regardless of paperwork or changing government programs
When you want predictable, long-term financial security for a child, annuities offer a clear, dependable path.
Making the Right Choice for Your Family
Every family’s situation is unique. Ask yourself:
- Do I want steady, predictable growth without constant monitoring?
- Would lifetime income help my child feel secure as an adult?
- Is flexibility important if life changes and we need to pause or adjust contributions?
- Do I want something that isn’t tied to shifting government rules?
It’s normal to have hesitations. We’ll walk you through options, trade-offs, and timelines in plain English—no pressure, just a clear plan.
Getting Started with Children’s Annuities
Simple steps to move forward:
- Decide your comfort number (even $5–$25/month is a powerful start)
- Pick your style: guaranteed growth, protection-first, or market participation
- Choose a future “income start” window (or keep growing)
- Set beneficiaries and review protection features
- Check in annually and adjust as life evolves
You can start today—no matter when your child was born—and give them a financial starting chance that lasts.
The Bottom Line: Don’t Wait for Programs to Catch Up
New programs come and go. Your child’s timeline doesn’t. If they were born before 2025—or your family doesn’t qualify—an annuity lets you take action now with a plan that’s simple, flexible, and built for the long term.
Children’s annuities have been helping families create financial security and generational wealth for decades. No waiting list. No “maybe later.” Just a reliable path forward.
The best time to start building your child’s financial future was when they were born. The second-best time is today.
Ready to explore how children's annuities could work for your family? Contact me to discuss your options and get a personalized analysis of how different strategies could benefit your child's financial future.
Shaneil L. Tunis, Licensed Insurance Agent
www.momannuity.com
(910) 786-1413