Why Buy Life Insurance For Children?

  • Permanent life insurance for a child is often purchased by a parent or grandparent as a gift that can last a life time. A whole life policy accumulates cash value over time, which may be withdrawn later in life or used as a nest egg.
  • Another reason is to cover funeral and burial expenses in the unlikely event there is a tragedy of the loss of a child. One of the last things a parent wants to do is add a financial hardship to the emotional burden of losing a child.
  • Buying a whole life insurance policy for a child is very inexpensive and the premium can be locked in to never increase throughout their lifetime! 
  • By purchasing life insurance while they are young and healthy, it ensures that the child will have life insurance throughout their life, even if they have health problems that might have prevented them from purchasing life insurance later in life.
  • Some whole life policies automatically double the coverage at age 18, with no additional premium increase.
  • Some whole life policies guarantee future insurability for the insured child to purchase additional coverage later in life as an adult regardless of their health, occupation, or anything else.

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Note: Life Insurance information can be confusing to many people. As an "independent licensed agent" I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose a life insurance policy, from many choices of different insurance companies, that you feel fits your needs. Plus if you choose to work with me you will have personalized service by a local agent that can shop premium quotes for you. If you would like my assistance to discuss and/or start the process of getting you insured please call me at 941-404-5334. 

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