• Parents, grandparents and permanent legal guardians may apply when children are 14 days to 14 years old.

• As soon as you get the Grow-Up® Plan, you lock in a child-size premium that will never increase.

• As long as premiums are paid, your Grow-Up® Plan accumulates cash value.

• Coverage doubles at 18 automatically. For example, a $10,000 policy doubles to $20,000, a $15,000 policy doubles to $30,000 and so on – with no increase in your monthly premium.

• Your child can keep the policy as an adult and can increase the coverage at our standard adult rate for your child's age at the time, provided that premiums are paid.

• Your child takes over the policy at age 21.

• Our whole life insurance for children doesn't just protect your child's early years; coverage can last a lifetime as long as premiums are paid.

• Guaranteed insurability as an adult, regardless of future health or occupation.