Will Someone Please Think Of The Children

Children have been dealing with a lot of changes and challenges this year. There have been many routine changes in their daily lives, from learning online to having alternatives to trick or treating. I feel like adults glance over how the children are adjusting and relearning how to navigate this pandemic. As a parent myself, I find this very disheartening. What’s even more unfortunate is that the children are often overlooked for their insurance needs regarding insurance. I have had parents immediately shut me down, claiming they “don’t want to even think about it.” Still, unfortunately, children do get sick, and in some cases, they do die.

I realize this is extremely sad, and for some folks, far too morbid, but it is a sad fact of life. Just as insurance is a way or adults to protect themselves and those they love against financial hardships if they are to become sick and die – it is precisely the same rationale for child insurance. No parent wants to think about losing a child. Still, parents forget about the cost of hospital bills for specialty treatment and parking, time off work to be with a sick child, time off for grief, and final expenses such as a last vacation or a celebration of life. As this rider is paid tax-free, the funds can be used for whatever the parents feel is in their child’s best interest.

                             The benefits of insuring your child while they are young are:

1. Children have access to some of the LOWEST rates in the industry for insurance; there’s no better time to insure a child than when they are this young, and they are healthy.
2. We have two riders for our Term Life policies, Critical Illness and Child Protection (Life) and are only $5/month for $10,000.00 or $10/month for $20,000.00 in coverage.
3. Our Child Protection Rider (which can be added onto any Life policy) can convert to a full Life or even Whole Life policy after it has been in-force for 2 year. The conversion is up to 5 times of the face amount of the rider, which is either $50,000,00 or $100,000.00 in amount.
4. This rider covers all current and future children (as long as they survive 15 days from birth), meaning you only pay $5/month or $10/month to have all children insured!
5. For parents who want more robust coverage with a longer period of insurability, we have standalone Critical Illness products for children that can be quoted upon the request of the client.
   

When it comes to insurance, make sure someone thinks about the children, contact us today for more information about these products, or the other products offered here at Broker Plus Insurance.

To request a quote on the products we offer, click here.
Or call: 1-877-242-8820 and press 3 to speak with an insurance coordinator.