Sometimes people will express dismay as though some might be wanting to make money if their child dies. Just ask the parents who have just lost a child about how important CHILD LIFE INSURANCE is to them.  Child riders can be added to many of the term plans.  However, some companies do not offer this rider.  A child can be covered from less than 1 year to age 23.  The ages of coverage vary a little depending on the company.  ONE COMPANY offers coverage from less than 1 year to age 75 on their parents policy.
	Most of the child riders will be given a chance to convert to a whole life or universal life as they get older.  A few questions will be asked on the child rider.  The child does not have to take a exam if  14 years and under.  Some plans are offered without any exams regardless of the age.  There are plans that allow a child to be covered from age 1 and by the time they are fifty they would not have to pay any other premium.  Bjorklund Insurance Agency offers CHILD INSURANCE that produce high interest.  These plans are Universal Life plans that offer riders that cover retirement income, critical and chronic conditions that pay when the insured needs special help.  The Child Universal Life plan is something parents should consider.
	Ask our agents to show you the plan and how it performs. There is a  Universal Life plan that pays up to 9 percent over a period of time.  Remember, there is plan on the child rider that covers Living Benefits.  "YOU DON'T HAVE TO DIE TO USE".