Junior Estate Builder

Coverage that can last a lifetime

If you want to help offer financial security for your grandchildren or children, life insurance is a great place to start. This policy is term insurance until age 25 and has no cash value. When the policy becomes a whole life policy, it begins to build value. For more details about whole life insurance, see our Frequently Asked Questions.

Coverage options for Junior Estate Builder

You have a choice of coverage amounts for this plan. Select the option that works best for you and your children: life insurance for $15,000 or $20,000.

  Plan One Plan Two - BEST VALUE!
Plan Option Coverage Amount $15,000 coverage $20,000 coverage
Locked-in Annual Premium Only $35 / year Only $45 / year

Details about conversion

The policyholder can elect to increase their coverage by $15,000 or $20,000 at the age of 25 - and by the same amount at 28 and 31 – regardless of health status. Rates will be based on whole life product availability and established rates at the time the increase option is exercised. Once converted to a whole life policy at age 25, the new whole life premiums will remain level for the life of the policy unless benefit amounts are increased.

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Junior Estate Builder is Kanawha Insurance Company policy Form 20305 1/88. Please see actual policy for complete details. Available for ages 0 - 24 years (nearest age).

Stephanie's Story

story image "Hugging my kids is the best part. Providing them with financial security is the most important part."

"My children are the greatest gift - and I give them plenty of gifts in return! But toys and clothes only last so long. That's why I decided to buy them a gift that can last a lifetime: term life insurance that, when they get older, converts to a policy that builds cash value. It was so easy to apply. And the premiums are so affordable - just a few dollars a month!

"With this plan, I’m helping protect my kids as they take their first steps. But I’m also helping them get a head start in life."

Stephanie's story is a fictional example meant to illustrate the value of the Junior Estate Builder Plan. Actual premiums vary depending on the coverage amount selected.