Exclusions & Limitations.

Eligible age

This juvenile term life plan is available for children age three months to age 18. Coverage ends on 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. anniversary after the child’s 23rd birthday. A child’s parent or grandparent age 18-75 can be the policy owner.

Guaranteed coverage

Your child cannot be turned down for coverage and this policy cannot be cancelled by Stonebridge Life as long as premiums are paid.

No rate increase

This is a level policy, which means the rate you pay remains the same throughout the life of the policy, regardless of your child’s health or age.

No decrease in coverage

The coverage amount is $5,000 per child. This coverage amount will never decrease regardless of your child’s health or age.

Option to convert to whole life policy at age 23

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. Premium rates will be calculated based on age and class at time of conversion.

You can cancel your coverage at any time.

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

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