CHILDREN with SERIOUS PROBLEMS

We all know someone or may have personal experience with children that have serious health issues, mental, physical, or sickness related can make a it impossible to obtain life insurance for even an amount that will pay for final expenses.

What do you do? Well the good news is often found in a policy you already have. If you as a parent have a benefit called a "CHILD RIDER" attached to your policy, you have coverage after the child comes home from the hospital, usually 10 -15 days after birth. I had one client that had this benefit and it was almost two years later he told me they lost a child. He didn't know the child was covered. We filed a claim and they received the benefits.

Check and see if you have this benefit, Call your agent and ask, with this benefit all children are covered even if you have 5 more children born in the future. NO EXTRA COST!

Lastly, if you don't have child rider, I have one company that will let me cover children under age 18 for 25,000 now and 75,000 at age 25. NO QUESTIONS ASKED!

Hope this helps many of you with that situation!