Children's Life Insurance · Broward & Palm Beach County
Children's life insurance that protects their future, not just today.
Coverage for kids of any age across South Florida — standalone whole life policies or low-cost child riders added to a parent's plan.
Why it matters
Two ways to cover a child, and when each makes sense.
A child rider attaches to a parent's existing life policy and typically covers every child in the household for $10,000–$25,000 at one flat cost. It's the inexpensive option, and it usually converts to a permanent policy the child can keep at adulthood.
A standalone children's whole life policy costs more but does more: bigger face amount, real cash value accumulation, a guaranteed insurability rider, and full ownership that transfers to the child later. For families thinking in decades rather than years, that's the one we usually recommend.
What's included
What we compare for your family.
Child Rider vs. Standalone
We price both against your existing coverage so you see the real trade-off.
Covers Every Child
One rider commonly covers all children in the household, including future ones.
Conversion at Adulthood
Riders convert to permanent coverage — often at multiples of the original amount — with no exam.
Health Protection
A future diagnosis can't cancel or reprice coverage already in force.
Cash Value Ownership
Standalone policies build value the child controls as an adult.
Immediate Support
Funeral costs and time away from work covered in an unthinkable scenario.
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
Children Life Insurance questions we hear every week.
How much does children's life insurance cost?+
A child rider often runs $5–$10 per month for the whole family. A standalone $50,000 whole life policy for a young child commonly lands between $30 and $60 per month.
What ages qualify?+
Most carriers issue from 14 days old through age 17, with a few extending to 25 under juvenile programs.
Do we need a medical exam for a child?+
No. Children's policies are simplified-issue — a short health questionnaire is all that's typically required.
Can grandparents buy the policy?+
Yes, with parental consent. Grandparent-owned juvenile policies are one of the most common structures we write.
What happens at 18 or 21?+
The policy or rider can be converted and ownership transferred to the child, who keeps the original rate class for life.
Also from PB & J Insurance
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.