A Children’s Term Rider adds a small amount of term life insurance coverage for your children to your own policy. It’s a cost-effective way to provide a benefit if something were to happen to your child, and the coverage is typically valid until they reach adulthood.
This rider can also give your child the option to convert to their own permanent policy later, without needing a medical exam. It’s a way to protect your family while giving your kids a head start on future life insurance coverage.