Junior Estate Builder
Care for the children you love by insuring their future
Give the priceless gift of protection with child life insurance. HumanaOne’s Junior Estate Builder is a term life insurance policy that offers protection until age 25 and then converts to a whole life insurance policy for lifetime coverage.
Why choose Junior Estate Builder?
This child life insurance plan is extremely affordable and easy to choose:
- Affordability - You can select $15,000 of term life insurance for $35 per year, or $20,000 of term life insurance for $45 per year. That’s just pennies a day!1
- No-risk, no hassles - There’s no medical exam, no doctor’s office visit, and no lengthy phone interview required. Plus you can return the child life insurance policy within 30 days for a full refund.
- Flexibility - Once the policy is converted to whole life coverage, the policyholder can choose to increase coverage at ages 25, 28, and 31. That means today’s $20,000 policy could grow into a total of $80,000 – with NO medical exams!2
How Junior Estate Builder works
This child life insurance protects your child or grandchild, now and in the future, by establishing financial security that lasts a lifetime.
- You'll start out with the protection of term life insurance with low premiums
- At age 25, the policy automatically converts to a whole life policy
- The whole life policy builds cash value with the option to increase coverage
1 - At age 25 there is a one-time premium increase upon conversion from term to whole life.
2 - Monetary value accumulations begin after the policy converts to whole life at age 25.
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).
"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.