Juvenile Life Insurance.Start early. Build for the future.
Life insurance coverage on a child that can, depending on the policy, become a foundation for a lifetime of protection and planning.
What It Is
A head start on lifelong protection.
Juvenile life insurance provides coverage on a child, typically owned by a parent or grandparent. Depending on the policy, it can also provide a foundation for long-term financial planning.
Term coverage
Protection for a set period
Often a rider on a parent’s policy; it does not build cash value.
Permanent coverage · e.g. IUL
Protection designed for life
May build cash value over time, depending on design, funding, and performance.
Why Start Early?
Protection. Time. Opportunity.
Starting young gives a policy its most valuable ingredient: time.
- Protection
- Time
- Opportunity
Protection from day one
Coverage begins while a child is young and typically healthy.
A long time horizon
Decades for a permanent policy to potentially build cash value.
Insurability considerations
Coverage established early may help preserve future options, depending on the policy.
Future flexibility
A policy that may adapt as their life unfolds.
Cash-value growth is not guaranteed beyond contractual provisions and depends on policy design, funding, charges, and performance.
How the Strategy Can Evolve
A policy that can grow up with them.
Select a stage to see how the role of a policy may change over time.
Educational illustration only. Every family’s policy structure is different and is designed with an advisor.
What Families May Consider
Six reasons families explore it.
Long-term protection
Permanent coverage designed to last for life, subject to policy terms.
Cash-value potential
Permanent policies may accumulate value over time; performance varies.
Future flexibility
Options that may evolve as their needs change.
Future opportunities
Accumulated value may help support education or other goals, depending on the policy.
Legacy planning
A thoughtful way to begin a family’s long-term planning.
A financial foundation
An early cornerstone for a lifetime of planning.
Family & Legacy
Build something that can grow with them.
The most meaningful plans begin with the people they’re designed for.
Portfolio II
Growth & Accumulation, three ways.
- 2.1
Indexed Universal Life
Protection with potential for long-term growth.
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Juvenile Life Insurance
Start early. Build protection for the future.
- 2.3
Fixed Indexed Annuities
Build toward retirement income for the long term.
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