Why Would You Get Life Insurance On A Child? 
Excellent and Important Question . Every parent should have life insurance on a child . You can get Whole -LRB- Permanent -RRB- Life Insurance on a Child for very little money , so larger amounts are possible . No you do not expect a child to die you . It has nothing to do with that . It deals with Guaranteed Insurability ! You never know when a child may develop a childhood disease , be in an accident , or develop childhood diabetes . Once that happen , that child might otherwise become uninsurable , meaning they could never get life insurance on themselves . If you gave them Life Insurance as a child , and it was continued , with the guaranteed , locked in very low rate , that child is now able to continue to have life insurance for the balance of their lives . If you also added a rider to add to the coverage , you could even increase the coverage over time , all at guaranteed lowest rates . You need to get together with a reliable Life Insurance Agent who can thoroughly review your entire picture and recommend the best choice of options for you , with a detailed explanation . Give me a call please . Gary Lane , Registered Representative , New York Life , 949 797 2424 . Thank you . 