Child Protection Plans
The greatest financial gift you can give your child.
A child protection plan is a small whole life policy on your child that locks in the lowest possible rates while they're young and healthy, builds guaranteed cash value over their lifetime, and — most importantly — guarantees their ability to get more coverage later regardless of any future health changes. It is one of the few financial moves that cannot be undone by illness.
This is right for you if...
- You want to lock in the lowest possible premiums for your child — for life
- You want to guarantee future insurability before health issues can arise
- You want to start building cash value your child can use as an adult
- You're looking for a meaningful, low-cost gift with lifelong financial value
How it works
- 01We review your child's age and your coverage goals
- 02You select a coverage amount — premiums are typically very low at young ages
- 03The policy builds guaranteed cash value every year from day one
- 04Ownership transfers to your child as an adult, with the rate locked in forever
Key Benefits
Locks in the lowest rates for life — premiums never increase
Builds guaranteed cash value from day one
Guarantees future insurability regardless of health changes
Coverage can be expanded at key life milestones with no new underwriting
Cash value available for college, first home, or any need
Affordable for any budget — often less than $30/month
FAQ
Frequently asked questions
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