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Give Your Child a Financial Head Start with Lifelong Protection

SmartStart financial planning program interface showing personalized wealth-building roadmap with investment options, retirement planning tools, and financial goal tracking dashboard
The SmartStart program provides a customized financial planning experience with step-by-step guidance to help you achieve your wealth-building and retirement goals.
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SmartStart Insurance

Every parent wants their child to have the very best start in life. The SmartStart plan, offered through Symmetry Financial Group, is designed to help make that goal a reality. With SmartStart, you can give your child a head start on saving for college, a first home, and even retirement—all while ensuring they have the lifelong protection of life insurance.

The SmartStart plan allows you to set aside funds to secure your child’s financial future and protect their insurability, no matter what life brings. This unique life insurance policy provides lasting coverage for your child, along with a cash value savings component that grows over time—delivering security and opportunity at every stage.

Why Do I Need SmartStart?

Saving for your child’s future can be challenging—SmartStart is designed to make it easier and more flexible for families.

With SmartStart, you’re not limited to college expenses. The policy’s cash value can be used at any point in your child’s life: to help with college costs, make a down payment on a first home, or even provide a supplemental retirement income stream later on, as long as the policy is in force.

SmartStart grows with your child, offering financial opportunities and peace of mind at every stage.

How Does The SmartStart Plan Work?

By setting aside a small amount of money each month or quarter while your child is young, you can build a meaningful financial foundation for their future—and provide valuable insurance coverage along the way.

With every premium payment, part of your contribution covers the cost of life insurance protection, while the remaining balance goes into the policy’s cash value. This cash value accumulates and grows tax-free, giving your child flexible funds for education, a first home, or any major life milestone.

Choose Us To Help You Save For Your Child's Future

SmartStart is a smart choice for your child—and Crocker Financial Group is a smart choice for your family’s future.

Unlike some insurance companies that push their own products, Crocker Financial Group believes there’s no one-size-fits-all solution. We never offer proprietary policies just for commissions. Instead, we take the time to truly understand your financial picture, your future goals, and your budget to recommend the policy that’s the perfect fit for your child and your family.

Our team is committed to finding the best solution for your needs and your bottom line. We work with more than a dozen top carriers to give you real choice, honest guidance, and total peace of mind.

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Infographic showing how SmartStart Insurance and Crocker Financial Group help families with custom life insurance solutions, financial guidance, and future planning for children.
SmartStart Insurance and Crocker Financial Group offer personalized, commission-free life insurance options and guidance for your family’s financial future.

SmartStart Insurance FAQ

What is SmartStart insurance?
SmartStart insurance is a permanent life insurance policy designed for children and young families, offering lifelong coverage and cash value growth for future needs.
Who can buy a SmartStart policy?
Parents, grandparents, or legal guardians can purchase SmartStart insurance for a child, starting from birth through young adulthood.
What can the cash value be used for?
The cash value can be used for college tuition, a first home, business startup costs, emergencies, or supplemental retirement income—at any stage of your child’s life.
How does SmartStart protect my child’s insurability?
By starting coverage early, your child’s insurability is locked in—meaning they can keep life insurance protection even if their health changes in the future.
Are SmartStart premiums affordable?
Yes. Premiums are often very low when you start a policy while your child is young, making it an affordable way to build financial security for their future.
Does SmartStart require a medical exam?
Most policies do not require a medical exam for children; approval is usually based on a brief health questionnaire.
How does the tax advantage work?
The cash value in SmartStart grows tax-deferred, and withdrawals or policy loans are often tax-advantaged if structured correctly. Consult a tax advisor for details.
Can the policy be transferred to my child?
Yes! Ownership of the SmartStart policy can typically be transferred to your child once they reach adulthood, giving them full control and continued coverage.
What if my child decides not to use the cash value for college?
The cash value is flexible and can be used for any purpose—home purchase, starting a business, travel, retirement, or simply left to grow for future needs.
How do I get started with SmartStart insurance?
Contact Crocker Financial Group for a free, personalized quote and learn how SmartStart can support your child’s future.

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.