Give them a
head start.
Secure your child's future with a plan that grows with them. Lock in low rates forever and build a tax-free savings nest egg for their adult life.
Trusted Children's Insurance Providers
Why insure a child?
It's less about the death benefit, and more about their financial future.
Guaranteed Insurability
By insuring them now, you guarantee they have coverage for life, regardless of any future health conditions (diabetes, cancer, etc.) that might make them uninsurable as adults. It's a safety net for their future family.
Lock in Childhood Rates
Premiums are based on age. Buying a policy for a 5-year-old locks in that ultra-low rate forever.
Compounding Growth
The policy builds cash value over time. By age 25 or 30, this can turn into a significant asset for a down payment or business loan.
The "Paid-Up" Strategy
Choose a "20-Pay" plan. You finish paying the premiums by the time your child turns 20. They inherit a fully paid-for policy for the rest of their life.
No payments for them, ever.Total Years Paid
20
Years Covered
Life
How it works
A simple transfer of wealth and security.
1. You Buy
You (parent or grandparent) purchase a Whole Life policy for the child. You are the owner and pay the premiums.
2. It Grows
Over the next 18-20 years, the cash value grows tax-deferred. The policy is fully paid up if you chose a 20-Pay plan.
3. Transfer
At adulthood (usually age 18, 21, or 25), you transfer ownership to the child tax-free. They now own a valuable asset.
What can they use the money for?
The cash value is accessible liquidity. Your child can borrow against it or withdraw it for major life milestones.
- University Tuition Fees
- Down payment on a first home
- Starting a business
- Wedding expenses
- Emergency fund
Projected Cash Value
Age 25
*Hypothetical projection based on current dividend scales.
Parent FAQs
Common questions about insuring minors.
Start their legacy today.
The younger they are, the lower the cost. Lock in a rate they will thank you for in 30 years.