There are a lot of different ways that you can use policies and plans to augment savings. One way is to use a whole life policy on your children and get a very good favorable rate, and then utilize that as a savings plan. That rate can be continued all the way through to retirement and you’ll get increments where they can increase coverage when they’re old enough to take it over and still be rated as an 18-year-old and in optimum health. This ensures insurability and future retirement game plans.