Insurance Products

15 Pay Juvenile Whole Life Insurance

A thoughtful and sound step to take for your child's future.

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Life Insurance Policy for Children Ages 0-15

Purchase for each of your children or grandchildren a $10,000 or $20,000 life insurance policy that someday you can pass on to them. The 15 Pay Juvenile Whole Life policy provides $10,000 or $20,000 whole life protection with premiums for only 15 years and protects their insurability for the future.

Individual policies for each child are a simple and fast way to start them on an insurance program that can grow through the years with additional coverage.

The 15 Pay Juvenile Whole Life Plan Provides

  • $10,000 or $20,000 permanent insurance with cash values.
  • Limited payment period meaning the original policy is guaranteed to be completely paid up after only 15 annual premiums.
  • Simplified application and issue process.
  • Insurability protection with a Guaranteed Insurability Option (GIO) rider*

Your child’s future health is unknown. To protect insurability, the optional GIO rider can be exercised with 15 Pay Life policies at ages 20, 25, 30, 35, and 40 without the insured having to qualify medically for the policies. The owner may substitute one or more of those option dates by exercising the option after a marriage or the birth or legal adoption of a child.

If the owner chooses to exercise all five options, $50,000 in additional coverage can be purchased on the $10,000 policy or $100,000 in additional coverage can be purchased on the $20,000 policy.


Interested in learning more about a life insurance policy for your kids? Get started by contacting one of our agents.

*Policy issued as a result of exercising GIO rider comes with new premium requirements.

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