Children's Future Planning
Coverage started while a child is young can do two jobs at once: protect the family against the unthinkable, and build a cash value that grows alongside the child into adulthood.
Who it's for
Protection shaped around the life you're building.
Parents, grandparents and guardians who want to put a foundation in place early — whether that's protection, long-term savings potential, or both.
How we help
Coverage while premiums are lowest
Life insurance premiums are generally based on age and health at issue, so coverage started early is typically priced lower than the same coverage started later.
Guaranteed insurability options
Depending on the carrier and policy, riders may allow the child to add coverage later in life — such as at milestones — without new medical underwriting. Availability and terms vary by policy.
Cash value that can grow with them
Permanent policies build cash value over time that the owner may be able to access in certain ways — for education, a first car, or a head start on adulthood. Access method and tax treatment depend on how the policy is used; we don't give tax advice.
A gift that outlasts the occasion
Grandparents and relatives often use these policies as a lasting gift. We help structure ownership and beneficiaries so the plan works the way you intend.
Give their tomorrow a head start
We'll walk through the options for your child or grandchild — in English or Spanish — with no pressure and no obligation.
Start My ConsultationProduct availability varies by state and carrier. Riders, access to cash value, and guarantees depend on the terms of the actual policy issued. Policy loans and withdrawals may reduce the death benefit and may have tax consequences. This page is educational and is not a quote or an offer of coverage.