Little boy and dog play in wheelbarrow with dad

Term to 25 Plan: Life Insurance for Children

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.

grandpa playing with granddaughter

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

  • An option to convert coverage to a permanent policy that builds cash value up until the insured person's 25th birthday, regardless of health

Give us a call

Could This Be the Right Solution 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.
Family playing with new baby

Product Details

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 fund can be borrowed against for major purchases or used for emergencies. Because conversion from this plan to whole life is guaranteed, health problems or injuries cannot prevent your child from qualifying for permanent life insurance later in life.

Explore Additional Resources

Consider Term to 25

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


Learn More About Term Life

Term life insurance may be more affordable than you think.


Draft Your Financial Game Plan

Remember three strong points about our company when you are drafting your financial game plan. 


Term Life Insurance

80% of consumers who believe they need life insurance haven’t bought it because they think it is too expensive. (Life Happens, April 2015)

80 percent of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213%, and Gen Xers overestimating the cost by 119%. (Life Happens 2015)

In 2016, there was a significant decline in life insurance coverage adequacy for U.S. households.  In 2010, those insured had coverage to replace their income for 3.5 years.  Today that has dropped to 3 years, which is far lower than most industry recommendations. (Limra Facts 2016)

The average insured adult has 3.6 times his or her annual income for life insurance coverage, or $166,600. Salary: $46,333, Life Insurance: $166,800. (How much life insurance do you need? By Barbara Marquand Posted : September 12, 2017. 2017)

But is it enough to provide for all of your family needs?

As a general rule of thumb, it is recommended that you have 8-10 times your salary in life insurance. However, this may be too much, or not enough. Everyone’s personal needs are different. We can help you determine how much is right for you. Talk to us today.

Western & Southern Financial Group

©2017 Western & Southern Financial Group, Inc. All rights reserved.

Annual Renewable Convertible Term Policy Series 0701-306 WSA issued by Western-Southern Life Assurance Company. Renewable and Convertible Term Policy Series 0701-307 WSA and 0701-307-U WSA issued by Western-Southern Life Assurance Company.

Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. 

VID117 1711

Draft Your Financial Game Plan

Draft Your Financial Game Plan With Us
Please see important information following this video. 

Hi, I am Cris Collinsworth and I am here to remind you of three strong points to keep in mind when you are drafting your financial game plan. 

First, financial strength is a key player.  The strength of Western and Sothern Financial Group speaks for itself.  Western and Southern has a heritage dating back to 1888, an impressive capital position, and stability demonstrated throughout challenging economic times.  

Second, is industry ratings.  The insurance companies that I am talking about are proud of their industry ratings, such as an A+ from A.M. Best and a remarkable 96 out of 100 Comdex ranking. 

Third, and just as important, is consistency.  Consistency that comes from steady deep-seeded conviction in our products and services. 

You just can’t beat this combination.

Western & Southern Financial Group

Products issued by member companies of Western & Southern Financial Group, Inc., Cincinnati, Ohio.

A.M. Best rating of A+ Superior for Superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009).

Comdex ranking of 96 out of 100.  The Comdex Ranking is a composite of the financial strength ratings as determined by Standard & Poor’s, Moody’s, A.M. Best, and Fitch ratings.  It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.

Ratings are subject to change from time to time.  The ratings shown here are correct as of 01/31/2017.

Major rating agencies issue public ratings on the member insurance companies affiliated with Western & Southern.  Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern.

Life insurance and annuity products are not bank products, are not a deposit, are not insured by the FDIC or any other federal entity, have no bank guarantee and may lose value.

Give us a call
The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Convertible Term Life Policy to Age 25 contract series 0801-220, Owner Waiver of Premium Rider 9401-700, Accelerated Death Benefit Rider 1208-620 issued by The Western and Southern Life Insurance Company. 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 Western and Southern Life Insurance Company. Guarantees are based on the claims-paying ability of The Western and Southern Life Insurance Company. Products are backed by the full financial strength of The Western and Southern Life Insurance Company.

Once the policy has renewed to annual renewal term rates, no conversion is allowed.

Increases in coverage are subject to new underwriting.

In addition to our life underwriting rules, chronic illness underwriting will be used to determine eligibility for our various accelerated death benefit riders. Ask your financial professional for more information about our accelerated death benefit riders.

Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.

The Western and Southern Life Insurance Company does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only.

Ready to Continue?

You have clicked a link to access information on a new website, so you will be leaving

Because this new site is independent, Western & Southern Financial Group neither manages nor assumes responsibility for its content. 

Are you ready to move forward?