mom and dad many times are confident with the aid of salesmen that they ought to purchase existence coverage on their infants. each and every so often it is this sort of coverage which would be switched over to grownup existence coverage at a functional low fee while the toddler reaches 18, and each so often it is this sort of coverage which you will funds out for -- as you recommend -- a school reductions plan. we have not got any way of understanding which form of coverage your mom and dad bought once you have been born. The earnings that coverage are funds that your mom and dad paid in to it. hence, the full funds cost of the coverage, if there is any in any respect, is your mom and dad' funds, not YOURS. you are able to't get admission to those funds when you consider which you probably did not pay in any of the money, you do not very own the coverage, and the money in it does not belong to you. I fail to work out how or why you're able to desire to be "dissatisfied" on the reality that, 18 years in the past, your mom and dad desperate to place aside a number of their funds for their own motives, which will or won't be to help you pay for college.