FAQs

What kind of life insurance plan is this?
Why do I need this type of insurance?
How much juvenile term life insurance can I apply for today?
Can a grandparent apply for this coverage for their grandchildren?
Is there a Free Look Period on this coverage?
Does the child have to take a medical exam?
Can the policy ever be canceled for medical reasons?
What happens if I die while the policy is in force?
What if I decide I no longer need this coverage?
Can coverage be converted to a whole life policy?
How long will I have to pay premiums for this life insurance plan?

What kind of life insurance plan is this?

This is term life insurance that covers children until age 23. At age 23, they can convert the policy to whole life coverage if they wish.

Why do I need this type of insurance?

Juvenile term life insurance could help shield your family from financial hardship if you suffered the loss of a child. In addition, the option to convert to a whole life policy at age 23 could prove valuable if your child is denied coverage by other insurance companies due to medical concerns.

How much juvenile term life insurance can I apply for today?

Our juvenile term life insurance offers coverage of $5,000 per child up to age 23.

Can a grandparent apply for this plan for their grandchildren?

Absolutely. A child's parent or grandparent can be the policyholder.

Is there a Free Look Period on this coverage?

We want you to be confident you've made the right decision. When your policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage. arrives, you'll have 30 days (31 in South Carolina) to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply return your policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage. within 30 days (31 in South Carolina) of receiving it for a full refund of premiums paid.

Does the child have to take a medical exam?

No. Acceptance is based upon the information you provide.

Can the policy ever be canceled for medical reasons?

No. The policy can never be canceled for any reason other than failure to pay the premiums.

What happens if I die while the policy is in force?

Coverage will continue until the covered child reaches age 23 and no premiums will be due after the date of your death.

What if I decide I no longer need this coverage?

If you decide you no longer need this coverage, you’re under no obligation to keep it or pay any further premiums.

Can coverage be converted to a whole life policy?

This juvenile term life insurance policy can be converted to a whole life policy when the covered child reaches age 23 without being required to pass a medical exam or show proof of insurability if requested in writing within 31 days of the certificate anniversary following the covered child's 23rd birthday.

How long will I have to pay premiums for this life insurance plan?

Just four years! As long as renewal premiums are paid before the end of the Grace Period we can not cancel the policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage..

Policy Form: GC285 series. Not available in all states.