FAQs

Whole Life or Universal Life policies build cash value. The life insurance coverage is good for a lifetime, regardless of changes in their health, if they enlist in the military or if they choose a hazardous occupation.

Yes. A serious illness or accident could make life insurance very expensive, even unavailable, for children when they are adults. Why wait? You can avoid paying expensive premiums later by starting protection now and locking in the lowest rate for life.

Hardly any. It's a simplified application with a few medical questions. Electronic medical records are utilized through the MIB system.

No. Your child's life insurance policy will never be canceled, and the benefits will never be reduced as long as the premiums are paid on time.

If you're a parent, grandparent or legal guardian, you can begin the important coverage for your young loved ones.

After the application is approved, a policy will be issued and the first premium payment will be drafted, placing the policy in force. You will have 30 days (free-look period) to review it in the comfort your home. The monthly premiums will be based on your child or grandchild's current age. The rate will be locked in for life and it will not increase because of changes in age, health or occupation, unless you or the adult child initiates changes in the future, such as an increase in death benefit coverage.