CHILD WHOLE LIFE
insurance protection
Children's permanent life insurance allows you to protect the financial future of the important children in your life at an affordable price.
This plan includes low childhood rates that will never increase and coverage that stays in force throughout each child’s life, regardless of how their health changes and as long as premiums are paid.
BENEFIT AMOUNTS
Whole Life coverage is available for either $10,000 or $20,000
CASH VALUE
The coverage is a whole life policy, so it builds cash value that can be used in the future for your family’s financial needs
ISSUE AGES
Coverage is available for children from ages 15 days to 18 years
NO WAITING PERIOD
Once your application is approved, FULL protection starts the first day the policy is issued
SIMPLIFIED ISSUE
A simple application will determine eligibility
Financial Security:
Family Heritage is proud to be rated by A.M. Best as an “A” (Excellent) company. This rating is based on the latest analysis of Family Heritage’s financial strength, management skills and integrity.
Child Whole Life
MONTHLY Premium Rates
| CHILD'S AGE AT ISSUE | $10,000 WHOLE LIFE | $20,000 WHOLE LIFE | ||
|---|---|---|---|---|
| Female | Male | Female | Male | |
| 0* to 5 | $4.00 | $4.40 | $7.00 | $7.80 |
| 6 to 10 | $4.75 | $5.25 | $8.50 | $9.50 |
| 11 to 15 | $5.50 | $6.25 | $10.00 | $11.50 |
| 16 to 18** | $7.25 | $8.00 | $13.50 | $15.00 |
*Minimum age for a Child is age 15 days old
**Maximum age for a Child is age 18 years and 364 days old
Limitations & Exclusions:
If the insured commits suicide, while sane or insane, during the first two years that the policy is in-force, the benefit will be limited to the premiums paid (less any outstanding policy loan debt).
The benefits described in this brochure are contained in policy series L6POL
This brochure is not an insurance contract. The policy explains in detail the rights and obligations of both Family Heritage and the policyowner. It is important to read your policy carefully.
