Estimate premiums for child life insurance riders and compare the cost of coverage for young children.
Annual Premium
$6
Estimated yearly cost
Monthly Premium
$0.5
Annual ÷ 12
Cost per $1,000 Coverage
$0.02
Per year rate
Child Age
5 years
Youngest bracket — lowest rate
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What child life insurance covers
Child life insurance is typically offered as a whole life policy or as a rider on a parent\'s existing policy. The premium is locked in at the child\'s current age, which means buying early results in a lower rate for life. The policy builds a small cash value over time and can often be converted to a larger adult policy without a medical exam, ensuring your child remains insurable even if health issues arise later.
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Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.