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While there are reasons it makes sense to get a life insurance policy on a child, it s important to understand why you are purchasing it and how the policy works. The policy we went with was a $50,000 20-Pay Whole Life Insurance Policy. This meant that the death benefit was $50,000 and it was set to be paid off in 20 years. 
Why we bought a whole life insurance policy for our daughter
One of the reasons we purchased this policy was the ability to guarantee our daughter s insurability in the future. This meant that if she were to have some sort of medical diagnosis that prevented her from getting life insurance coverage when she was older, she would at least have the insurance policy that we bought for her when she was an infant and could have the option to add more insurance to it in the future. ....

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