Baby Life Insurance · South Florida
Life insurance for your baby — and a health-proof guarantee for their future.
Coverage can begin as early as 14 days old. A policy opened in infancy carries the lowest premium the child will ever be offered — for the rest of their life.
Why it matters
New baby? This is the cheapest insurance decision you'll ever make.
Every year of age raises the cost of permanent coverage, and every future health event risks eliminating it entirely. Buying at a few weeks old freezes both variables permanently: a locked rate class and a contractual right to add coverage later without answering a single health question.
New parents in Fort Lauderdale, Boca Raton and Delray Beach usually take this conversation as a package — the baby's policy, plus a right-sizing of Mom and Dad's coverage now that childcare, a bigger home and eventually tuition are on the table. That whole review is free.
What's included
What baby coverage includes.
Eligible at 14 Days
Most carriers issue from two weeks of age through the child's teens.
Lifetime Rate Lock
The infant rate class is the lowest that person will ever qualify for.
Guaranteed Future Increases
Add coverage at set ages or life events with no medical questions.
Tax-Deferred Growth
Twenty-five years of compounding before they're old enough to need it.
Under $2 a Day
Meaningful permanent coverage typically costs less than a coffee habit.
Parent Review Included
We re-check the parents' coverage at the same appointment, free.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Baby Life Insurance questions we hear every week.
When can a baby be insured?+
Typically at 14 days old, though some carriers wait until 30 days. There's no benefit to waiting beyond eligibility.
How much coverage should a baby have?+
$25,000–$100,000 is typical, chosen mainly for the size of the guaranteed insurability rider it unlocks later.
Is this really about the death benefit?+
Honestly, no. The reason to buy is guaranteed lifelong insurability plus decades of cash-value compounding. The death benefit is a small comfort, not the point.
Does the policy affect financial aid?+
Life insurance cash value is generally not reported as an asset on the FAFSA, unlike a 529 or a UTMA account.
Can we increase coverage later?+
Yes — that's the core feature. Guaranteed insurability riders let you add coverage at specific ages or events regardless of the child's health at that time.
Also from PB & J Insurance
The rest of your coverage, in one place.
Ready when you are
Let's put the right coverage in place.
Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.