As with any life insurance, it is always best to be insured as early as possible before the unexpected happens. It’s even more advantageous for your child to be insured by us, because once the policy is issued, it begins accruing a cash value from which you can borrow.
Also, children under the age nearest 16 are not required to take a medical exam; parents simply complete questions about the child’s medical history within the application. Additional medical requirements may be necessary at the discretion of the underwriting department. At age nearest 16, your child can still be insured, but a medical exam will be required.