Children’s Whole Life Insurance
A lifelong foundation of protection and cash value growth — starting today.
How Children’s Whole Life Works
Children’s Whole Life Insurance provides permanent life insurance protection for your child — locking in coverage early and building value over time. It combines the peace of mind of lifelong protection with the potential to grow cash value as the policy ages.
Coverage stays in force for life as long as premiums are paid.
Premiums are locked in at today’s low rate and won’t increase with age.
A portion of each premium builds cash value that grows tax‑deferred.
When your child reaches adulthood, ownership and control can transfer to them.
The cash value can be accessed later via policy loans or withdrawals.
This isn’t just insurance — it’s a financial tool that can grow with your child over a lifetime.
Why Families Choose Children’s Whole Life
Parents and guardians choose Children’s Whole Life because it offers both protection and long‑term financial benefits.
Guaranteed insurability later: Your child can secure future coverage regardless of future health changes.
Stable, predictable costs: Premiums stay the same year after year.
Cash value accumulation: Builds value over time that can be used for important future needs.
Protection no matter what: Lifetime coverage gives peace of mind for both expected milestones and the unforeseen.
Transferable to your child: At a predetermined age, your child can take ownership and continue the policy.
Families value this level of long‑term security and flexibility — especially when thinking ahead to college, first homes, or unexpected life events.
Who Children’s Whole Life Is Best For
This coverage isn’t right for every family — but it is a strong fit for those who want both protection and value that lasts.
Parents who want permanent protection secured while premiums are low.
Families who value cash value growth that can be accessed later in life.
Those looking for a way to guarantee future insurability for their child.
Families planning a long‑term financial legacy or safety net.
Parents who want financial tools that can support future goals — not just cover risks.
This coverage works well alongside other financial planning — giving your child a reliable foundation as they grow.
Start Today — Protect Their Tomorrow
Children’s Whole Life Insurance offers more than just a safety net — it’s a way to build lifelong protection and financial value that your child can rely on into adulthood and beyond. At My Family Protected, we work with multiple A and A+ rated carriers to help design a Children’s Whole Life policy that balances protection, growth potential, and long-term stability while premiums are most affordable and giving your child a head start on financial security that can last a lifetime.
CHILDREN'S WHOLE LIFE FAQs
What is Children’s Whole Life Insurance?
A permanent life insurance policy that offers lifelong coverage and builds cash value.
Why buy life insurance for a child?
To lock in low premiums early and provide financial security.
Can cash value be accessed?
Yes, policy cash value can be borrowed or withdrawn for important needs.
Can coverage be increased later?
Many plans allow conversion or increases without new health exams.
Who qualifies for Children's Whole Life?
Children of all ages up to the age of 18 —though younger children generally have lower premiums.
Can I add coverage for multiple children under one policy?
Typically, each child requires their own individual policy. This ensures coverage and cash value build separately for each child, tailored to their specific needs.
What happens to the policy when my child becomes an adult?
When your child reaches adulthood, ownership of the policy can transfer to them. They can then manage it themselves, continue paying premiums, or make changes like increasing coverage or accessing cash value.