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Child Term Rider

Provides a death benefit in case a child dies before a specified age.
This rider provides a death benefit in case a child dies before a specified age. A child does not necessarily need life insurance, but if you want to be certain that he or she is covered in the event of any accidents, you may find this rider to be beneficial. In many cases, a child rider cause noticeable increase in premium. But, it gives you the peace of mind that if anyone in the family were to pass away, the remaining family members would be compensated for it. Though nothing could compensate parents suffering the death of a child, at the very least, in the event of an accident, rider status would see to it that the parents were left with something to help with the bills and funeral costs. Understanding child riders can help you avoid financial issues if a child were to pass away. Since unforeseen final expenses can be further distressing, this kind of addition to a policy is a good idea for any parent. After the child attains maturity, the term plan can be converted into permanent insurance with coverage multiplying up to five times the original face amount without the need for medical exams. 



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