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Individual Juvenile Term Life Insurance

When starting a family, you want to build a solid foundation for your children. With up to $25,000 of coverage, our Juvenile Term life insurance offers financial protection and peace of mind.

As your child grows, so will their coverage. With no change in premium, the benefit amount doubles on the policy anniversary of a child turning 18 years old. The policy expires when the child turns age 25, they can then convert the coverage to a Permanent Whole Life policy regardless of any medical condition.

Coverage options include but are not limited to:

  • $25 a year or less can secure $5,000 in coverage for a child 9 years and younger
  • $83 a year or less can secure $15,000 in coverage for a child 11 years and younger
  • $150 a year or less can secure $25,000 in coverage for a child 13 years and younger
  • Choose the benefit amount that fits your needs, with amounts ranging from $5,000 to $25,000.

    • Coverage offers affordable protection until age 25 for your children ages 30 days old up to 18 years old.

    The benefit amount doubles on the policy anniversary of a child turning 18 years old with no change to your premium.

    Option to convert to permanent whole life coverage.

    • On the policy anniversary following his/her 25th birthday, your child has the option within 30 days to convert the term coverage to a permanent whole life policy at the same coverage amount, without undergoing additional underwriting.

    Juvenile term life insurance can be a great option for parents, stepparents, grandparents, or legal guardians.

    • Help create a strong financial foundation for your loved one to further build upon.
    • The owner of the policy will be the beneficiary who is designated to receive the insurance benefits, unless someone else is named on the application.

    No medical exam is required.

    • Acceptance is generally based on answers to a few health questions about the Proposed Insured on your application.

    30-Day No Obligation.

    • You have 30 days from the date you receive your policy to review it. If you decide you don't want the coverage, return the policy and all premiums paid will be refunded to you and you'll be under no further obligation.

    Please contact 1-888-292-7749 for any questions regarding these exclusions.

    This is a simplified Description of Benefits. This is not an Insurance Policy. Benefits are administered according to the provisions of the Policy and premiums are charged according to the filed rates. The information contained in this explanation is representative only, and in all cases insureds should refer to their Policy for coverage specifics. Some provisions, benefits, exclusions or limitations listed therein may vary depending on the insured's state of residence.

    Suicide (while sane or insane) is not covered in the first two years of coverage. In cases of suicide, benefits are limited to a return of premiums paid without interest.

    Misrepresentations on your enrollment form may affect your eligibility for benefits.

    What is juvenile term life insurance?

    Juvenile term life insurance insures the life of a child for a specified period of time and can help protect a family against sudden funeral and burial expenses. Juvenile Term to Age 25 coverage offers affordable protection until age 25 for your children ages 30 days old up to 18 years old. Your benefit doubles on the policy anniversary of a child turning 18 years old, with no change to your premium.

    How much coverage is available?

    You can choose a benefit amount that fits your needs, ranging from $5,000 to $25,000.

    Is a medical exam required to apply for coverage?

    No medical exam is required to apply for coverage. Acceptance is generally based on answers to a few health questions about the Proposed Insured on your application.

    What is a premium?

    The premium is the payment you make for an insurance policy.

    What is a beneficiary(ies)?

    Your beneficiary(ies) is the person(s) you name in a life insurance policy to receive the death benefit.

    What happens at the end of the term period?

    On the policy anniversary after your child’s 25th birthday, the term coverage expires and the grown child has a 30-day window to choose to convert to a permanent whole life policy at the same coverage amount.

    Can my insurance be terminated?

    Your coverage can never be cancelled as long as premiums are paid when due.





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