Giving the Gift of Life

It’s probably one of the greatest gifts you can give to your child, but perhaps an “unlikable” one at that.  It isn’t fun, it isn’t “tangible”, and you certainly don’t hope it’ll ever be needed before they are their elderly years.

It isn’t a conversation most parents want to have, but rather than think of life insurance for a child as a need in case of early death, consider it a gift for when that child becomes an adult.  Many children are blessed with excellent health, but what happens at adulthood and they have their own families to provide for, but they’ve been hit with some serious health concerns?

Will they be approved for a life insurance policy when health has declined?

Will the premiums be twice or more as high at adulthood, compared to being rated in childhood?

Permanent Life Insurance Policies, such as Whole Life, is a plan that will last a lifetime, as long premiums are paid.  Many permanent life policies start at less than $30/month for kids under age 18, and did you know that when the child turns 18, as long as they’re still healthy and a nonsmoker, that their premium could drop? When the time is right, you could turn over premium-paying to the adult-child, and they never have to be concerned with potential health changes as they age, nor will they be paying standard adult-rates.

Let us build some prices and plans for your child, for peace of mind for you now, and peace of mind for them later!

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Leah Callahan