Give your kids a head start on a lifetime of protection.
A small policy today can lock in your child's coverage for life, at a low rate that never goes up, no matter what their health looks like down the road.
- ✓Low, locked-in premiums that never increase
- ✓Coverage that stays in force regardless of future health
- ✓Whole life options that build cash value over time
- ✓No medical exam, just a few health questions
Explore coverage for your kids
Free quote. Takes about 60 seconds.
More than a policy. A gift for their future.
Locks in insurability
If your child develops a health condition later in life, a policy bought today stays in place. Their coverage is secured while they're young and healthy.
Low rates for life
Premiums are based on your child's young age and are locked in. What you pay today is what you pay for as long as the policy is kept.
Builds cash value
Whole life and IUL policies build cash value over time that can be accessed later in life for needs like a first home or emergencies.
Coverage that can grow
Some plans automatically increase coverage at a certain age or let your child buy more later without health questions.
Peace of mind
No one wants to think about it, but coverage means your family could take time to grieve without the added worry of final expenses.
A gift that lasts
Ownership of the policy can often be transferred to your child as an adult, giving them a head start on their own financial foundation.
Ways to cover your children
| Children's whole life | Child rider on a parent's policy | IUL for children | |
|---|---|---|---|
| How it works | A separate permanent policy for your child, owned by a parent or guardian | Added to your own life insurance policy | A separate permanent policy with flexible premiums |
| Who's covered | One child per policy | Often all eligible children under one rider | One child per policy |
| Cash value | Guaranteed growth | None | Growth linked to a market index, with a floor against losses |
| How long it lasts | Lifetime | Until a set age, often with the option to convert to permanent coverage | Lifetime, if properly funded |
| Best for | Locking in lifelong coverage at a low rate | Affordable coverage for several kids at once | Families focused on long-term cash value |
Eligible ages, coverage amounts and features vary by carrier and state.
The best time to get coverage is while they're young and healthy.
Health conditions that show up in childhood or early adulthood can make life insurance harder to get or more expensive later. A policy started now keeps your child covered regardless of what the future holds.
Simple to qualify
Most children's plans need only a few health questions and no medical exam.
Rate stays the same
Premiums don't increase as your child gets older, and coverage can't be cancelled due to health changes.
A head start
Your child can take over a policy with years of cash value and coverage already in place.
Children's life insurance FAQ
What ages can be covered?
Most children's plans can be started when your child is just a few weeks old and are available into the teen years. Exact ages depend on the carrier and the plan.
Who can own the policy?
Usually a parent or legal guardian. Some carriers also allow grandparents to apply with a parent's involvement. Ownership can often be transferred to the child once they're an adult.
Does my child need a medical exam?
Usually not. Most plans ask a few health questions about your child. We'll help you find the plans your child qualifies for.
Is this a good way to save for college?
Cash value is a nice benefit, but life insurance shouldn't replace a dedicated college or savings plan. Loans or withdrawals reduce the death benefit. We'll explain the trade-offs so you can decide what fits.
Should I cover myself before my kids?
In most cases, yes. Your family depends on your income, so protecting it comes first. Children's coverage is often an affordable addition once the parents are covered, and we're happy to review both.
Start their lifetime of protection today.
A free review of coverage options for your children takes about 15 minutes by phone.