You may add a child rider that covers your children from the time they're two weeks of age up until they turn 26 (age limits may vary by insurer). The child rider is also known as a child term rider since coverage is limited to a term based on the child's age. You can choose to add a child rider for your biological kids, adopted children, or stepchildren, and one rider typically covers all your children. If the worst happens and your child dies while under the term age limit, you can file a claim for the rider's small death benefit, which is designed to cover funeral expenses, medical costs, or income gaps while you grieve. When your child reaches the age limit of the rider, they may have the option to convert it to their own life insurance policy, which may help them lock in a lower premium.