Child Protection (Term Life Riders)

Critical Illness (Rider to Term Life)
​The Child Critical Illness Rider provides $10,000 or $20,000 of critical illness coverage for ALL current and future children (other than foster children) of the insured parent, upon diagnosis of one of 15 defined critical illness conditions.

The child must be under age 21 (or 25 if full-time student) at the time of diagnosis. The premium for the rider is $60 per year or $120 per year depending on the benefit amount chosen. There is no underwriting required, but there is a 24-month pre-existing exclusion. The maximum combined benefit (from all @pprove Child Critical Illness Riders) for each child is $20,000. The Child Critical Illness Rider is not convertible.

Child Protection Benefit (Rider to Term Life)
The Children Protection Benefit provides $10,000 or $20,000 of coverage for ALL current and future children (other than foster children) of the insured parent who are under age 21 (or 25 if full-time student). The premium for the rider is $60 per year or $120 per year depending on the benefit amount chosen. There is no underwriting required, but there is a 24-month pre-existing exclusion. The maximum combined benefit (from all @pprove Child Protection Benefits) for each child is $20,000.  

Conversion Option
The Child Protection Benefit provides a conversion option up to 5 times the rider amount after 2 years in force.  When the insured parent’s base policy is converted, within the time frames stated in the Rider Conversion Option, then a similar rider may be included, at the owner’s request (subject to the rules in effect at the time of application for the converted insurance).