This benefit provides term life insurance for all children of the policyowner. It can be converted to permanent life insurance up to 3 times the original sum insured, without evidence of insurability.

The cost is very affordable and is a fixed amount regardless of the number of children covered.

Issue Ages - (Age nearest)
 

• Policyowner: age 18 to 55
• 1 child: 24 hours to age 17

Any children born after issue will be covered from 24 hours.

Sum Insured
 

• $5,000, $10,000 or $20,000
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable when the policyowner turns 65
   

Termination of Coverage

The earliest of:
 

• the policyowner's 65 birthday
• the last insured child turns 21 or 25, if a full-time student
• the date the benefit or the contract is terminated
   

Addition to a Benefit Already in Force

Conversion Privilege

May be converted into permanent life insurance up to 3 times the insured amount per child, on the earliest of:
 

• the policyowner's 65 birthday
• the insured child turns 21 or 25, if a full-time student
• the child marries