Life Insurance for Children

Give your child a financial head start for life

Life insurance for children can provide life long protection and build long-term value. Abrams Insurance helps families use strategies like 20-pay policies to create lasting financial benefits.

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What is life insurance for children?

Life insurance for children is a permanent policy that provides lifelong coverage and can build cash value over time. Many parents use it as a long-term financial planning tool — not just protection.

It is designed for parents and grandparents who want to create a financial foundation early and lock in coverage while the child is young and healthy.

The 20-pay strategy

Pay for 20 years. Covered for life.

A 20-pay policy means premiums are paid for only 20 years, but the coverage lasts for the child’s entire lifetime — giving them a fully paid-up asset as they enter adulthood.

Policy is fully paid off early in life

Guaranteed lifelong coverage with no future premiums

Can be used later for education, business, or major purchases

Locks in insurability regardless of future health

Cash value builds over time

Simple to set up, lasting in value

Purchase a permanent policy for your child

Years of premiums, then fully paid up

∞

Lifetime coverage and growing cash value

What Abrams Insurance offers

Participating whole life

The right policy for children

Participating whole life is often used for children due to its guaranteed values, lifelong coverage, and long-term growth potential — making it one of the most effective vehicles for this strategy.

Abrams Insurance helps families understand how children’s policies work and whether strategies like 20-pay make sense for their goals.