CoverKids by CoverFam
Covered from the very start.
Learn how permanent life insurance for children works. It's a gift some parents and grandparents choose to give, and a licensed CoverFam agent can help you decide if it fits your family.
What it is
Children's permanent life insurance, in plain English
Children's permanent life insurance is a policy taken out on a child, usually by a parent or grandparent. It's designed to last the child's whole life as long as premiums are paid. Many policies build a modest cash value over time, and some let the child add more coverage later without new health questions, depending on the carrier. It isn't a savings account or an investment, and it isn't meant to replace a parent's own coverage.
Why parents come first
Start with Mom and Dad
The biggest risk to a child's future is usually losing a parent's income. That's why we always start with the parents. Make sure Mom and Dad have the life and disability coverage the family relies on. A child's policy comes after that, never instead of it. If you haven't looked at your own coverage yet, we'll help you start there.
The gift and the head start
Something that grows up with them
A gift that lasts
Coverage that can stay with your child into adulthood.
A head start
Coverage in place while your child is young and healthy, with options some carriers offer to add more later.
Whether it's right for your family is a personal decision. A licensed CoverFam agent can walk you through it, with no pressure.
For grandparents
A gift from one generation to the next
Many grandparents want to give something that lasts. Grandparents can often own a policy on a grandchild with the parents' consent. We'll talk with you about how ownership, payments and the parents' role work, so everyone's on the same page. Choose "I'm a grandparent" on the form and an agent will reach out.
How it works
Three simple steps
- 1
Tell us who you are.
Share your contact details. We don't ask anything about your child here.
- 2
Talk to a licensed agent.
A CoverFam agent explains your options, starting with the parents' coverage.
- 3
Get a quote, if you want one.
If you decide to go ahead, your agent sends a short secure form and gets you quotes.
Get started for a child
Just your contact details. We don't ask anything about your child here.
Questions
Common questions
Do I have to share my child's information now?
No. This form asks only for your contact details. If you decide to go further, your agent will send a secure form.
Should we buy this before covering ourselves?
We always look at the parents' coverage first. A child's policy is meant to come after that, never instead of it.
Is this an investment?
No. Some policies build a modest cash value, but children's life insurance isn't an investment or a savings plan.
Can grandparents buy a policy?
Often yes, with the parents' consent. Your agent will explain how ownership and payments work.
How much does it cost?
It depends on the carrier, the amount and the child's age. A licensed agent will get you real quotes. We don't show prices online for CoverKids yet.
Is it right for us?
That's a personal decision, and it's one a licensed CoverFam agent can help you think through. Bob can explain the basics, but he can't tell you what to buy.
Lasa Links Insurance, Inc. DBA CoverFam is a licensed insurance agency (FL license L095502), 2525 Ponce De Leon Blvd, Coral Gables, FL 33134. CoverKids is a CoverFam experience. Coverage is issued by insurance carriers, subject to their underwriting, terms and availability, and isn't available in every state. Currently not offered in New York or Washington, DC. When you buy coverage through us, CoverFam earns a commission from the insurance company. It's built into the premium, so you don't pay extra. Information on this page is educational and isn't a recommendation to buy any policy. Bob is an AI-powered educational tool, not a licensed insurance advisor.