Grandchildren Life Insurance Instant Life Insurance QuoteState:AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDist.ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNY Non-BusNY BusinessNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingGuamPuerto RicoVirgin IslandsAmer. SamoaBirthdate:JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember12345678910111213141516171819202122232425262728293031191019111912191319141915191619171918191919201921192219231924192519261927192819291930193119321933193419351936193719381939194019411942194319441945194619471948194919501951195219531954195519561957195819591960196119621963196419651966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008Gender:MaleFemaleSmoker/Tobacco:NoYesHealth Class:Preferred PlusPreferredRegular PlusRegularType of Insurance:1 Year Level Term5 Year Level Term10 Year Level Term15 Year Level Term20 Year Level Term25 Year Level Term30 Year Level Term35 Year Level Term40 Year Level TermTo Age 65 LevelTo Age 70 LevelTo Age 75 LevelTo Age 80 LevelTo Age 85 LevelTo Age 90 LevelTo Age 95 LevelTo Age 100 LevelTo Age 105 LevelTo Age 110 LevelOther Term10, 20, 30 Year TermAll Level Term Product Categories10 Year Return of Premium15 Year Return of Premium20 Year Return of Premium25 Year Return of Premium30 Year Return of PremiumTo age 65 Return of PremiumTo age 70 Return of PremiumTo age 75 Return of PremiumOther Return of Premium15, 20, 30 Year with ROPReturn of Premium ProductsTo Age 121 Level (No Lapse U/L)To Age 121 Level – Pay to 100To Age 121 Level – Pay to 65To Age 121 Level – 20 PayTo Age 121 Level – 10 PayTo Age 121 Level – Single PayFace Amount:$10,000$25,000$50,000$75,000$100,000$125,000$150,000$175,000$200,000$225,000$250,000$300,000$350,000$400,000$450,000$500,000$550,000$600,000$650,000$700,000$750,000$800,000$900,000$1,000,000$1,100,000$1,250,000$1,500,000$1,750,000$2,000,000$2,500,000$3,000,000$4,000,000$5,000,000$6,000,000$7,000,000$8,000,000$9,000,000$10,000,000Your Name:Phone Number:E-mail Address:The death of a child isn’t something parents want to think about. But life insurance isn’t necessarily all about death. Child life insurance is about the future and preparation. Taking steps today can help create a better tomorrow. And as parents or grandparents, our chief concern is making the future better for our children.How Does Child Life Insurance Help a Child?Right now, when a child is young, strong, and healthy, life insurance is obtainable at a minimum cost. But if a child develops a problem like a chronic disease, life insurance can be almost impossible to obtain. So signing up for a low premium term life insurance policy now, with a guaranteed periodic purchase option, will make it possible for them to have life insurance as adults.Another possibility for them is to purchase a whole life insurance policy, which will last for the rest of their lives. They can even file a lawsuit against the cruise line in case of related accidents. Their age and health status won’t make any difference, nor will it matter if they serve in the military or have dangerous occupation hazards.Such child life insurance is perfect for planning for the future because of the cash value the plan would accumulate. As an adult, they could borrow against this value or stop the policy and withdraw the money (to pay for college or any number of things).Who Can Purchase a Child Life Insurance Policy?Parents, grandparents, and legal guardians can all purchase child life insurance policies. New parents often have heavy financial burdens during the first few years of a child’s life, and buying insurance is difficult. So grandparents (who might be more financially stable) purchase insurance for their grandchildren.When Does Coverage Start for a Child Life Insurance Policy?When you start a life insurance policy for a child, the coverage begins immediately. There are no necessary medical exams to go through,just a few health related questions on the application is generally enough to get a child qualified.The rates for child life insurance vary. Whole life rates stay the same. Term life rates depend on the policy, how old the child is, and several other factors. Policy renewal agreements can vary also, so make sure it’s spelled out before signing up for term policies. Some times you can purchase a term policy and then switch it to whole life at the end of the policy’s period.Child life insurance policies can last as long as you wish to sign for. Again, whole life policies for children don’t ever end, while term policies are defined before you purchase it.Who Receives the Benefits?In child life insurance policies, the parents or legal guardians are the beneficiaries. But the one who benefits the most is the child. He or she benefits from the security of a life insurance policy that will continue even if he or she is diagnosed with a life threatening disease. Secure your children’s future now with child life insurance. It’s good for them, it’s good for youTalk to your Insurance Agent to ensure Child Life Insurance is right for you!