Life Insurance for Children is a type of life insurance that covers the life of a minor. The money put into this policy builds value over time and is paid out when a child unexpectedly passes away. The money is used to pay for the sudden costs of a funeral or burial. Some companies allow the amount to be withdrawn when the child reaches the age when they are no longer classified as a minor.
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Apart from covering funeral expenses, counselling services, or medical bills in the event a child passes away, Life Insurance can also help cover the medical expenses of a child who develops a serious illness early in life. Having Life Insurance in place may also increase the chances of the child qualifying for a policy later on. Once the child reaches adulthood, they may be able to withdraw the accumulated amount, depending on the policy.
Before deciding to buy a policy for your child or children, consider your finances and family situation carefully. The primary purpose of Life Insurance is to cover expenses and debts if an income is lost due to the death of a provider. Review whether your current policy provides sufficient cover for your family and do your research to make the best decision for your family’s needs.
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Clear answers to help you understand how Life Insurance for Children works and when it may be useful.
Life Insurance for Children is a policy taken out by a parent or legal guardian that provides financial support if a child passes away or develops a serious illness, depending on the benefits included. These policies are often designed to help cover funeral costs, medical expenses, or counselling services.
Parents may consider Life Insurance for Children to reduce the financial burden associated with unexpected medical treatment, counselling, or funeral expenses. Some policies also allow children to transition to adult cover later in life, which may be beneficial if health conditions develop early.
Some children’s Life Insurance policies may accumulate value over time, depending on the product type. This value may become accessible when the child reaches adulthood or when the policy is converted, but benefits and access differ between insurers.
No. Funeral Cover typically pays a fixed amount to cover funeral-related costs only, while Life Insurance for Children may include broader benefits such as illness cover, value accumulation, or conversion to adult Life Insurance. Coverage varies by provider and policy type.
Compare Life Insurance options designed for children and understand the benefits available.
Find a policy that suits your family’s needs and budget.
Explore our Life Insurance guides, from basic policy explanations to specialised cover like Mortgage Life Insurance, joint cover and high-risk options.
What is a Life Insurance policy? Find out how Life Insurance works, what it covers, and how to choose a policy that fits your needs.
Life Insurance for Parents Learn how to take out cover for your parents when they can’t do so themselves, or add them to your existing policy.
Life Insurance for Children Understand how cover for children works, how value builds over time, and when these policies pay out.
Life Insurance for Over 50 Explore Life Insurance options for people over 50, including cover that pays a lump sum to your beneficiaries.
High-Risk Life Insurance See how insurers assess higher-risk jobs, hobbies and health profiles, and what that means for your premiums.
Joint Life Insurance See how one policy can cover you and your partner under shared terms, and when a joint policy makes financial sense.
Traditional Whole Life Insurance Learn about lifelong cover (often up to age 95), fixed premiums and guaranteed payouts to your beneficiaries.
Term Life Insurance Understand fixed-term cover, how it works for temporary needs, and what happens when the term comes to an end.
Pre-Existing Medical Conditions Find out how existing health conditions affect your Life Insurance application, waiting periods and exclusions.
Mortgage Life Insurance See how this type of cover protects your bond by paying off the outstanding home loan if you pass away.
Critical Illness Cover Learn how Critical Illness Cover works, what conditions may be covered, and how payouts can help with treatment and recovery costs.
Universal Life Insurance Explore flexible life cover that can adjust over time, and learn how premiums and benefits may change based on your needs.
