Term Life Insurance for Children

Join the thousands who trust us to protect their child’s financial future.

As a parent or grandparent, nothing is more important than protecting the special child in your life. You teach them to look both ways before crossing the street and never to run with scissors. But did you know a Term Life Insurance for Children (TLC) Plan may be one of the best security blankets your child could receive? It ensures the option to convert to a permanent policy.

Specifications

Issue Minimums

Term Life for Children
Issue Ages 0-15 Minimum of $30,000

Key Features

Affordable Premiums. For as little as $30 per year, your client can purchase $30,000 in term life insurance coverage. Guaranteed to never go up!
Guaranteed Coverage. No one can predict a child’s future. With the TLC Plan, the child’s insurability will be guaranteed, even if their health changes in the future.¹
Easily Converted. Provides the child with the option to convert the policy into additional life insurance down the road.
Flexible Ownership. Can be purchased by a parent or as a gift from a grandparent.
Coverage Age. Can be purchased for children 15 or younger with coverage provided to age 18.

Ideal Client

Someone looking for a low-cost way to protect their families’ finances if they were to lose a child

Premiums

There are two payment options to choose from.

Option 1 For only $30 per year, you will receive $30,000 of coverage for your child regardless of their age.

Option 2 Choose the convenient single payment option that allows you to purchase $30,000 of coverage with just one affordable payment.

Issue Age	Annual Payment	Single Payment
0	$30	$364
1	$30	$361
2	$30	$350
3	$30	$334
4	$30	$317
5	$30	$300
6	$30	$282
7	$30	$263
8	$30	$243
9	$30	$223
10	$30	$202
11	$30	$180
12	$30	$157
13	$30	$134
14	$30	$109
15	$30	$83

Case Studies

Meet Kayla & Jack

Meet Kayla

Age: 32 and 33
Household Income: $80,000
Family: One child
Goal: Ensure their daughter is protected

Their Story:

Kayla and Jack were recently married. Two years later, they welcomed baby Natalie into the world. On her first birthday, Kayla and Jack threw her a birthday party at their home with their friends and family.

Natalie received many toys and clothes. Kayla and Jack wanted to provide a different type of gift ... one that would ensure Natalie’s financial future was protected. They purchased Natalie a TLC Insurance policy—a plan that can later be converted to permanent life insurance coverage.

Meet Philip and Virgina

Meet Philip and Virgina’s

Age: 55 and 52
Household Income: $150,000
Family: Married, two children and three young grandchildren
Goal: Ensure their grandchildren are protected

Their Story:

Philip and Virginia have three grandchildren. Christmas was around the corner and they wanted the perfect gift for each of them. Rather than the newest toys, they thought of a unique idea that would provide lasting protection for their grandchildren’s financial futures.

They spoke to their representative and purchased each grandchild a TLC insurance policy. In the long run, this may be one of the best Christmas gifts ever!e the best gift they could receive.

Product Information Sheets

To request a personalized product information sheet for Term Life Insurance for Children, email our sales support team at sales@trustedfraternallife.org. Please include the product name, brand, headshot and the contact information you would like on the sheet.

Important Advisories

Term Life for Children Insurance can be converted to permanent life insurance with Trusted Fraternal Life at any time during the level term period or reaching age 18 through 31 days after the expiry date of the contract, whichever comes first. Conversion is subject to the age and minimum face amount requirements of the permanent plan.
Like all life insurance policies, this policy has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your representative or call (800) 965-2547.

Term Life Insurance for Children ICC19 JV; ICC19 JV SPN; 2021 JV FL; 2021 JV FL SPN; ICC19 JV SP; ICC19 JV SP SPN; ICC21 JV SP FL and ICC21 JV SP FL SPN.

15-0052-05/25

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