Ways to Save For Your Child's College Education
SmartStart
Every parent wants their children to have the very best start in life. When it comes to how to make that goal a reality, parents should consider the SmartStart plan, offered through Symmetry Financial Group. This program gives your child a head start on saving for their college education, the down payment of their first home, and even their retirement, all while giving them the protection of life insurance.
The SmartStart plan is a way to help you set aside funds to protect your child's future while protecting their insurability, regardless of what happens later in life. The SmartStart life insurance policy provides insurance coverage for your child, coupled with a cash value savings component, which is certainly a smart start.
As you go through life, your insurance needs change.
Symmetry Financial Group provides plans to keep you protected.
Why Do I Need
SmartStart?
It can be tough to save money for your child's future; SmartStart aims to make that a little bit easier.
SmartStart goes beyond education expenses: in addition to using funds to help pay for the cost of college, available cash value can be used at any point in your child's life. If they want to use funds for a down payment on a home, they can do so! When it's time for them to retire, if the policy is still in force, they can even create a retirement income stream from their SmartStart policy.
Why Do I Need
SmartStart?
It can be tough to save money for your child's future; SmartStart aims to make that a little bit easier.
SmartStart goes beyond education expenses: in addition to using funds to help pay for the cost of college, available cash value can be used at any point in your child's life. If they want to use funds for a down payment on a home, they can do so! When it's time for them to retire, if the policy is still in force, they can even create a retirement income stream from their SmartStart policy.
How Does
The SmartStart Plan Work?
By setting aside a small amount of money every month or quarter starting when your child is young, you can help them set aside cash for future needs while providing valuable insurance coverage.
A portion of your premium payment goes to pay the cost of life insurance coverage. The balance becomes part of the policy's cash value, which accumulates and grows tax-free.
How Does
The SmartStart Plan Work?
By setting aside a small amount of money every month or quarter starting when your child is young, you can help them set aside cash for future needs while providing valuable insurance coverage.
A portion of your premium payment goes to pay the cost of life insurance coverage. The balance becomes part of the policy's cash value, which accumulates and grows tax-free.
Choose Symmetry To Help You Save For Your Child's Future
SmartStart is a smart choice for your child; Symmetry Financial Group is a smart choice for you.
Some insurance organizations and professionals are simply trying to sell you proprietary insurance products to earn commissions. At Symmetry Financial Group, we don't believe there are any one-size-fits-all solutions, and we don't sell our own products. Instead, we take the time to understand your financial situation, your goals for the future and your budget to help you find a policy that is a perfect fit. We are committed to helping you find insurance solutions that meet your goals, your needs and your bottom line, and we can shop more than a dozen carriers for you to make that happen.
Would You Like to
Request a Quote?
Please fill out the short form so we can provide you
with the policy options to best match your
coverage and financial needs.
Frequently Asked Questions
Q: What are the advantages of the SmartStart plan?
Clients love the SmartStart program for many reasons. First, this plan allows you to protect your child's future insurability, regardless of what medical issues might come up in the future. This means your child's family will have peace of mind knowing that death benefits are available, should the worst happen.
Also, SmartStart is much more than a simple life insurance plan. The cash value portion of the policy accumulates tax-free. Even better, the amount of money you can earn on those savings is generally more than you'll find in any bank or other guaranteed financial instrument. The policy's growth is indexed to the performance of several different indexes (of which you can select from), but there's no market risk of loss. This means your funds get the best of both worlds: upside potential without losing your principal.
Remember that the cash value can be used for any purpose your child chooses as an adult. Funds can help pay for college, fund the expenses of starting a business, buying a home or getting married, and even help pay for expenses in your child's retirement years.
Q: Can I afford SmartStart?
When you apply for life insurance for a healthy child, the premium payments are surprisingly affordable.
The additional amount of your regular payments is designed to help the cash value of the policy grow, tax-free, until your child withdraws it for a future need. SmartStart policies are designed to be flexible to meet your savings goals and your budget.
Q: Do I qualify for SmartStart?
The SmartStart plan is first and foremost a life insurance product, covering your child's life.
So, qualification decisions are based on your child's health at the time you apply for coverage for them. Generally speaking, most children qualify for the SmartStart plan through Symmetry Financial Group.
Q: When should I buy SmartStart?
The best time to begin the SmartStart program for your child is now. The cost of the insurance component will rise the older your child gets.
In addition, starting sooner means the funds set aside (the cash value component of the policy) will have more time to accumulate and grow. Having the power of time on your side with the SmartStart plan can yield astonishing results. Because the returns are indexed to the market, nobody can guarantee exactly how much money your child will have when it comes time to draw on the cash value for college expenses.
The SmartStart life insurance policy comes with the potential for dramatic growth to give your child the head start they deserve.
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options
to best match your coverage and financial needs.
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options
to best match your coverage and financial needs.
Core Values
Our eight core values are the
driving force behind everything we do.
Largest Life Insurance Guide
Read our comprehensive guide to answer any life insurance questions you have.
Interactive Timeline
View our interactive timeline to
see what insurance is right for you
CONTACT US
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
PRODUCTS
• Mortgage Protection
• Final Expense
• Term Life Insurance
• Universal Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Retirement Protection
• SmartStart Insurance
WHY SYMMETRY?
Copyright © 2025 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Kimberly Pfeilschief. No offers, solicitations or recommendations are being made via this website in any state where one of those named Quility licensees does not have a license. Please see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Stephen J. Brenes’s license numbers in each state.
CONTACT US
Kimberly Pfeilschief
Pfeils Financial Agency
Velva, ND
Phone: (701) 929-5441
Email: kim.pfeils@gmail.com
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
Kimberly Pfeilschief
Copyright © 2025 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Kimberly Pfeilschief. No offers, solicitations or recommendations are being made via this website in License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Kimberly Pfeilschiefter’s license numbers in each state.
No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.
custom_values.agent_bio=Mrs Kimberly Pfeilschiefter lives in north central North Dakota. Her father got stationed at the Minot AFB when she was a little girl. After her father retired they remained in the state. Her Husband grew up on a farm in the area, she met him on his way out of serving 6 years in the army. They decided to to settle and build a house on his families homestead/ranch. They have raised 4 children together and the last one will be leaving the home in 2027 after she graduates from high school. Kimberly loves to support her community and volunteers plenty of her time to whatever she can help with. She enjoys helping and serving other.
custom_values.agent_brokerage=Pfeils Financial Agency
custom_values.agent_headshot=https://storage.googleapis.com/contact-attachments-live/sCHHsN91XVzw14qKIzeq/VdtgbiQIyPvQQGJ5B9FQ/955a2dae-6db9-415a-8791-26e60c49f8aa.JPG
custom_values.agent_name=Kimberly Pfeilschief
custom_values.agent_phone=(701) 720-9311
custom_values.agent_title=
custom_values.agentemail=
custom_values.booking_page_link=
custom_values.booking_thank_you_page=
custom_values.brag_link=
custom_values.claim_thank_you_page=
custom_values.confirm_sale=
custom_values.final_expense_booking_page=
custom_values.from_email=
custom_values.insurance_license_number=
custom_values.life_insurance_landing_page=
custom_values.logo_image_url=
custom_values.outbound_email=
custom_values.recruiting_booking_link=
custom_values.twilio_number=(701) 929-5441
custom_values.twilio_number_in_link_form=Tel:(701) 929-5441
custom_values.licensenumber=
kim.pfeils@gmail.com
SFG0009933
(701) 929-5441
Tel:(701) 929-5441
f6Vdz4hQtdWrVcyBsAXQ