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Our Term to 25 Life Insurance for Children Offers Guaranteed Insurability for Life

As a parent or grandparent, one of the most important gifts you can give your child or grandchild is a head start on securing their future. Term to 25 Life Insurance for children can go a long way toward that goal since it guarantees the ability to convert up to $30,000 to permanent insurance at age 25, regardless of the insured person's health status. This gives your child or grandchild guaranteed insurability for life.

Term to 25 Life Insurance is the best of both worlds: affordable term coverage now with an opportunity to convert to permanent coverage that builds cash value later.

Benefits of Term to 25 Life Insurance

When you purchase a Term to 25 policy from us, you're giving your child the opportunity to have guaranteed insurance protection for life. Product features and options include:

  • Affordable premium payments

  • A fixed death benefit until coverage ends

  • Coverage can be issued up to age 17, with a maximum death benefit of $30,000

  • The option to convert (regardless of health) is up to age 25. Once converted, the permanent policy builds cash value.

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Could This Term Life Policy Be Right for You?

It's natural to want to do all you can to help secure your child's or grandchild's future. If you want to establish a financial foundation for a young person, but are keeping an eye on your budget, term insurance may be an alternative. Consider a Term to 25 Life Insurance policy if:

  • You seek an affordable way to provide life insurance for your child or grandchild.
  • You want a guaranteed option to be able to convert the policy over to permanent coverage at a later date, regardless of the insured's health status.
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Details About This Term Life Insurance for Children

With a Term to 25 policy, you help protect your child or grandchild today with term life insurance to his or her age 25. The policy is available for issue ages 0-17. Three coverage amounts are available: $10,000, $20,000, and $30,000.

If your loved one converts his or her Term to 25 Life Insurance policy to permanent coverage before age 25, the new policy will begin building tax-deferred cash value. This money can be borrowed against for major purchases or used for emergencies. Because conversion from this plan to whole life before age 25 is guaranteed, health problems or injuries cannot prevent your child from qualifying for permanent life insurance later in life.

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Consider Term to 25

Learn about our life insurance for children, and determine if it's the best choice for your needs.


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Convertible Term Life Policy to Age 25 series 0801-220 issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, CT, ME, MA, NH, and NY.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.