Newborn Life Insurance · Broward & Palm Beach County
Newborn life insurance: a decision that gets more expensive every year you wait.
Permanent coverage opened in the first weeks of life — guaranteed insurability forever, a premium that never changes, and cash value with a thirty-year head start.
Why it matters
What a newborn policy looks like twenty-five years from now.
A modest whole life policy opened at birth and funded for eighteen years frequently has meaningful accessible cash value by the child's mid-twenties — usable for a first home in Broward County, a wedding, or seed capital for a business. No taxes on the growth, no penalty for accessing it, no market risk in the guaranteed portion.
And the part no one thinks about until it's too late: about one in ten adults will develop a condition that makes life insurance expensive or unobtainable. A newborn policy with a guaranteed insurability rider immunizes your child against that risk permanently.
What's included
Why we recommend it for every new family we meet.
Insurability for Life
Future health events can never take this coverage away or raise its price.
Lowest Possible Premium
A newborn rate is the floor — every birthday raises the cost of the same policy.
Thirty-Year Compounding
Cash value with the longest runway a policy can possibly have.
Paid-Up by Adulthood
Structure it so premiums finish at 18 or 21 and the child owns it free and clear.
Simple Underwriting
A short questionnaire — no exam, no labs, approval in days.
Free Family Review
New parents get a full coverage audit at the same time, at no cost.
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
Newborn Life Insurance questions we hear every week.
How soon after birth can we apply?+
Most carriers accept applications once the baby is 14–30 days old and has had a normal newborn check.
What if the baby had a NICU stay?+
It depends on the reason and outcome. Several carriers underwrite past a short NICU stay once the child is healthy — we know which ones to approach.
How much should we put in?+
Whatever is sustainable for eighteen years. Consistency matters far more than the size of the premium.
Can grandparents fund the policy?+
Yes, and they frequently do. It's one of the few gifts that still appreciates twenty-five years later.
Should we insure the parents first?+
Always. Parent coverage protects the child's actual standard of living; the newborn policy is a supplement to it, never a substitute.
Also from PB & J Insurance
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.