Investing in Financial Security for Children

In a world where financial security often feels out of reach, Cole Snell—founder of Infineo—has set his sights on a mission to make every child financially secure.

The Child Millionaire Strategy

At the heart of this vision lies the Child Millionaire Strategy, a simple yet transformative approach to building generational wealth using whole life insurance policies.

Snell leverages technological innovations such as blockchain, artificial intelligence, and decentralized systems to disrupt the life insurance industry, making financial stability accessible to families everywhere.

The Challenge for Families

For many families, ensuring their children’s financial future is daunting. Rising living costs, limited financial literacy, and profit-driven traditional financial systems leave parents with few options.

Life insurance is often misunderstood, mistrusted, and seen as prohibitively expensive. Snell’s journey began with wealth-building strategies, shifting focus from artisanal cheese to financial systems after recognizing that money was the root of societal inequities. He believes whole life insurance is a powerful yet misunderstood asset.

How the Strategy Works

The Child Millionaire Strategy is revolutionary. Parents purchase a whole life insurance policy for their child, contributing as little as $100 per month for 20 years, totaling $24,000.

Thanks to the policy’s unique structure, it grows over time, allowing tax-free access to cash throughout the child’s life. By adulthood, the child has a financial asset for education, business, or homeownership that can also be passed down to future generations.

This strategy promotes financial literacy and stewardship within families, ensuring that wealth is accumulated, sustained, and grown.

Technology Meets Tradition

While life insurance as a wealth-building tool isn’t new, Snell uses technology to enhance accessibility and efficiency. Infineo believes blockchain technology brings clarity, trust, and scalability to life insurance. Snell states, “The fundamental issue with life insurance is that people don’t trust it.” Blockchain’s immutable ledger ensures transparency, eliminating blind trust in transactions.

Infineo is also pioneering the tokenization of life insurance policies, enabling fractional ownership and liquidity—absent in traditional life insurance. By digitizing policies and integrating them into decentralized financial systems, Infineo transforms life insurance into a more accessible financial tool. These innovations drastically reduce costs, offering potentially lower premiums of $30-$40 per month.

Challenges and Resistance

Despite its promise, the Child Millionaire Strategy faces resistance from traditional insurance companies fearful of disruption. Snell shares experiences of Canadian carriers canceling contracts with Infineo to protect their business models.

Cultural misconceptions also challenge this initiative, as some communities view purchasing children’s life insurance as inviting bad luck. Snell asserts that these notions are outdated and emphasizes a need for practical, forward-thinking financial planning.

A Vision for Philanthropy

Infineo’s ambitions extend beyond profit. Snell envisions a world where every child is insured, starting in underserved communities in the U.S. and The Bahamas. “It’s our goal to take that massive amount of profit and return that back to families,” he remarks.

This approach aims to foster financial literacy and empowerment across generations. Snell predicts that tokenization will revolutionize life insurance, providing stability and high returns without market risks, outpacing traditional investments.

Within five years, Infineo aims to insure every child globally. “This is a story of philanthropy,” Snell concludes, “but it’s also about marketing and innovation. By leveraging blockchain and artificial intelligence, we’re proving that financial tools can be both profitable and accessible.”