You might be considering child life insurance or a Child Protection Rider (CPR) to a term life insurance policy.

According to InsureMe:

In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse.

The answer on this page was edited based on source material from InsureMe. These pages are no longer being updated. --Webmaster

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