Who we help
Life Insurance for Parents
Whether your children are toddlers or teenagers, the aim is the same: make sure they are cared for no matter what. The right coverage depends on your family's stage and the responsibilities you carry.
What this often looks like
- Children who depend on your income and care
- Education and future costs on the horizon
- A household budget that must stay manageable
Worth thinking about
Cover care, not just income
Consider what it would cost to replace both income and the day-to-day care a parent provides.
Plan for the years ahead
Term coverage can be matched to the years children are dependent, with the option to convert later.
Keep beneficiaries current
Naming and updating beneficiaries — and considering guardianship with your attorney — keeps your plan aligned with your wishes.
Where people often start
Frequently asked questions
Should I insure my children?
The priority is insuring the income earners first. Some parents add small children's coverage as an option, but it should not come before protecting the parents.
What about a stay-at-home parent?
A stay-at-home parent's caregiving would be costly to replace, so coverage for both parents is usually worth considering.
Let's talk about your situation
Every family and business is different. Tell us what you're navigating and we'll help you understand the options that may fit.