Why Buy Life Insurance On Kids? 
Buying life insurance on kids is a good idea because it costs the least it will ever cost in their lives and it also can ensure their insurability . Most juvenille policy will have the option of allowing the child to increase the policy face value at some future point without having to go through another medical exame and pay only what the premium would be based on the amount of coverage added at the price that coverage would be at that age . When purchasing a childrens policy most carriers require that the parents have coverage at the same level as the child 's policy or higher . Contact your local agent to find out what types of policies they have to offer to meet your needs . 