10/21/2026
**Where Does the Money Actually Go?**
You put money into a plan for your child.
But do you know what happens next?
This is one of the most important things parents should understand.
In a permanent life insurance strategy, the money you pay is called a premium.
That premium helps support several parts of the policy.
These may include:
• The cost of insurance
• Policy fees and expenses
• Building cash value over time
Cash value is money that may become available through the policy, based on its rules.
Not every dollar you pay goes into cash value.
That is why understanding the structure matters.
Before starting any plan, ask where your money goes and how the costs work.
**Would you feel more confident if you understood exactly how your child's plan uses each dollar?**
Learn how the Million Dollar Baby Plan works.
