Life Insurance for Diabetics

Life Insurance for Children?

It may sound ghoulish, but there is a strong case to be made for buying life insurance for your children or grandchildren. I’m not suggesting that you place a substantial amount of coverage on your child (companies have limits on that). Consider again that premium rates can be locked in for a lifetime (through permanent plans) regardless of what health conditions develop.

Most children will be given a “Standard” rating unless they have juvenile diabetes or another significant medical condition. There are some insurance companies that will underwrite a child already diagnosed with Type 1 juvenile diabetes. In this case it is very important that the parents work with a reputable agent to place the case with a sympathetic company.


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