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A permanent, whole life insurance policy like Protect My Child® can be an affordable way to protect a child’s financial security and long-term insurability.
Having a permanent,* whole life insurance policy for your child or grandchild can provide many financial benefits for them in the future. Protect My Child® is a gift for their future.
*As long as required premium payments are timely made.
Because child life insurance policies have the potential for cash value, your child could use that cash value later in life or borrow against it for needs such as:
Buying child life insurance today allows you to lock-in a low rate for the policy. As long as required premiums are made, they won’t increase.
With child life insurance in force, your child will have some level of insurance coverage even if a medical issue should arise in the future.
As long as you continue to make required premium payments, the cash value in your child’s policy has the potential to grow over time.
The Protect My Child plan is an affordable permanent child life insurance policy to help protect your child or grandchild, while providing cash value for their future. It offers:
For a level pay child life policy1, the coverage amount automatically doubles at age 18 at no additional cost.
The ownership of the child life policy will automatically transfer to the child on his or her 21st birthday.
Yes! No medical exam or lengthy application process is required for Protective’s child life insurance policy. You can get a
free rate quote and request an application on the Protective Life website.
1Available for Level Premium options only.
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Protect My Child, policy form numbers ICC13-EL5/EL-5 8-13 (level pay) and ICC13-SEL6/SEL-6 8-13 (single pay), is a whole life endowment at age 100 insurance policy issued by Protective Life Insurance Company, Birmingham, AL. Policy form numbers, product features and availability may vary by state. Consult policies for benefits, riders, limitations and exclusions. Up to a two-year contestable and suicide period. Subject to underwriting. All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company.
**Premiums are determined by the child’s age and gender. The above monthly premium amounts are for males. Premiums shown are accurate as of January 2, 2017. Each individual situation may vary.
The tax treatment of life insurance is subject to change. Neither Protective Life nor its representatives offer legal or tax advice. Please consult with your legal or tax adviser regarding your individual situation before making any tax-related decisions.