What Is A Child Rider On Term Life Insurance? 
A child rider on Term life insurance adds life insurance to your policy that will cover your child -LRB- ren -RRB- . It is usually available to children age 15 days to approx age 17 -LRB- the age varies by company -RRB- . You select a face amount of the child rider , usually between $ 5,000 and $ 25,000 . This that would pay if a tragedy occurred in your family , and you lost one or more of your children . The child rider benefit would pay that entire amount for each deceased child . The rider pays for death by any reason , just as your policy does , with the exception of suicide in first two years , or if your child had a serious health condition that was not disclosed on the application and death occurred during the first two years of purchasing the rider . If your child has type 1 diabetes , intellectual disability , or other maladies , unfortunately , they will not be able to be on the rider.Therefore , it is good to get the rider while your first child is young ; then the rest are automatically added . While few children pass away , the real value of a child rider can come when your child turns approx 25 -LRB- again , the age varies by company -RRB- . At that time the child rider can usually be changed to a permanent life insurance policy of about 5 times the face amount of the child rider . They do not ask any health questions , so if your child developed an illness after being put on the rider , it will not matter . They will then have a reasonably priced life insurance policy for the rest of their lives . 