• Child Life Insurance

  • 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.

  • Get your free quote and request an application today.

  • Child life insurance is whole life protection that grows with your child

    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.

  • Child life insurance can be useful for future needs

    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:

    • College tuition and other educational expense
    • A down payment on a new home
    • Money for a car or wedding
    • Collateral for a loan
  • Benefits of child life insurance

  • Lock in low rate

    Lock-in low rate

    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.

  • Lifetime Protection

    Lifetime protection

    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.

  • Cash Value Accumulation

    Cash-value accumulation

    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.

  • Protective offers the Protect My Child® life insurance plan

  • 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:

    • Child life insurance coverage levels ranging from $10,000 - $100,000
    • Cash value that builds and can be used for college, a house down payment or other needs
    • Coverage amount automatically doubles at age 18 at no additional cost
    • Rates as low as $6.37 month** that your child can secure through adulthood
    • Coverage for ages 0 – 17
    • Low rates that are guaranteed to never increase
    • The choice between a level pay or a single pay option

  • Get your free quote and request an application today.

  • Here are answers to the most frequently asked questions about child life insurance

  • What happens when my child or grandchild turns age 18?

    For a level pay child life policy1, the coverage amount automatically doubles at age 18 at no additional cost.

  • What happens when my child or grandchild turns age 21?

    The ownership of the child life policy will automatically transfer to the child on his or her 21st birthday.

  • Is it easy to apply for coverage?

    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.

  • Protect My Child® is child life insurance that offers:

  • PRODUCT FEATURE
    LEVEL PAYMENT PURCHASE
    SINGLE PAYMENT PURCHASE
    Issue Ages
    14 days to 17 years
    14 days to 17 years
    Guaranteed Insurability for a lifetime
    Yes
    No
    Coverage Face Value Doubles
    Yes – at age 18
    No
    Maturity
    Pays the policy value to the owner if they reach age 100.
    Pays the policy value to the owner if they reach age 100.
    Medical Exam Required
    Yes – at age 18
    No
    Ability to buy additional coverage in the future
    Yes
    No
  • The Learning Center can help you on your path to understanding!

  • Getting a child life insurance policy with Protective Life is easy!

    1. Get a quote
    2. Complete an application
    3. Confirm your policy
  • See why so many have chosen Protective