Providing a plan for your kids and grandkids today, for tomorrow!

Certificate Features

• Issued for children ages 1 month through age 17.

• Face amount worth $10,000.

• One time premium payment of $125 per application (purchase up to three certificates per child. Sets of twins and triplets are covered with just one application and payment of $125).

• Convertible up to $50,000 face amount with no medical examination.

• May be converted to a Gleaner permanent life certificate.

Option one allows the owner to convert to permanent life 30 days prior to the seventh certificate year anniversary.

Option two allows the owner to convert their certificate 30 days prior to the insured’s 18th, 21st or 25th birthday. If not converted, all coverage terminates on the certificate year anniversary that follows the insured’s 25th birthday

Contact your Ohio, Florida, Maryland and Michigan Representative Today!

Charlie Heyman

Life insurance for your kids offers several important benefits that provide peace of mind for parents. Firstly, it ensures financial security in the event of an unforeseen tragedy, helping to cover funeral costs and any outstanding debts. Additionally, having a policy in place can lock in low premiums while your child is young and healthy, making it a cost-effective investment for the future. Some policies even build cash value over time, serving as a financial resource for education or major life events. Furthermore, it instills a sense of responsibility regarding financial planning from an early age. By securing life insurance for your children, you not only protect their future but also provide a safety net that alleviates the burden of financial stress during difficult times.

Determining your family's needs: Different policies fit different lifestyles, but the unique benefits of whole life insurance can be appealing to a variety of people. The cash value component of the policy makes it an alternative investment, especially for those who’ve maxed out their retirement accounts, or have a lifelong dependent, such as a child with a disability. It’s also appealing to those who are looking for coverage for life as well.

Riders are additional benefits you can add to a life insurance policy. Some of the most common riders include accelerated death benefit, annual renewable term (ART), long-term care and children’s term.

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