Children's Policies
We all have hopes and dreams for our children’s future: their education, their first home, their wedding day, and the life they’ll one day build. A children’s policy can help make those dreams come true and protect them through every stage of life.
A properly designed life insurance plan for a child can build cash value that grows tax-deferred and can later be accessed for milestones like college tuition, a wedding, or a down payment on a first home. It can also provide critical protection in the event of a serious illness or injury, giving families both emotional and financial peace of mind.
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Why a Children’s Policy Matters
When a child is young and healthy, coverage is affordable and easy to secure and because it grows over time, it becomes a powerful tool for their future. But most importantly, it’s protection that they’ll carry with them forever no matter what life brings.
Take a moment to ask yourself:
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How would your family manage financially if your child experienced a serious illness or condition later in life?
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Wouldn’t it be comforting to know your child will always have coverage, regardless of future health changes?
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What would it mean to give your child not just money, but a lifetime of financial security and options?
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These are the questions that lead to lifelong peace of mind.
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Case 1: Living Benefits at 1 Month Old — A Lifeline Years Later
Meet baby Emily. Her parents purchased a life insurance policy with Living Benefits when she was just one month old. They wanted to start early, building future cash value and protecting her insurability for life.
Fourteen years later, Emily was diagnosed with juvenile diabetes, a condition that could have made it nearly impossible to get new life insurance coverage as an adult.
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Because her policy was already in place and because it included Living Benefits, she not only kept her lifelong coverage, but also had access to funds if her condition ever worsened or required long-term treatment.
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That decision her parents made when she was just a baby became a lifeline, protecting her health, her finances, and her future.
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A children’s policy with Living Benefits protects insurability for life and can provide financial relief in the event of serious illness, even years later.
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Case 2: A Lifetime of Growth — $1 Million by Age 45
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Meet Noah. His parents opened a cash value life insurance policy for him at age 3, contributing just a few thousand dollars a year.
The plan was designed not only for protection but also for long-term growth. Over time, the policy’s cash value compounded tax-deferred, and by the time Noah reached age 45, his policy was projected to hold over $1 million in available cash value.
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That meant choices: he could use it to help fund his children’s college, start a business, purchase real estate, or even supplement his retirement income, all from a plan his parents started decades earlier.
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A children’s policy can become a multi-purpose financial tool, growing tax-deferred, accessible tax-free, and serving as a lifelong foundation of financial security and opportunity.
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The Legacy Ensured Approach
At Legacy Ensured Group, we believe love is more than a feeling, it’s a plan. Children’s policies are one of the most meaningful ways to build generational wealth, protect future insurability, and give your child a head start in life that will continue to serve them for decades.
Because the greatest gift you can give your child isn’t just protection, it’s possibility.
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Empowering Families. Securing Legacies.
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