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Let’s talk about life insurance for children

September 12, 2018

As parents, we often worry about how we’re going to afford the next school trip, next term’s school dinners, the third pair of school shoes that our children somehow manage to grow into within the same academic year. There’s no doubt about it, money is always on our mind.

Beyond day-to-day expenses – such as making sure the fridge is full and paying for those essential extra-curricular activities – we have to plough cash into pensions and take out our own life insurance, just in case, heaven forbid, the worst should happen.

Yet, while we’re protecting our children’s future, paying into child trust funds, savings accounts, and protecting them for the possibility that we won’t always be around, we rarely stop to think that life doesn’t always work out the way we might expect.

A person sitting on a sandy beach next to a body of water

While the Internet and offline banking does often encourage us to take out our own life insurance, we don’t really consider the financial implications of life taking away one of our children too soon. It’s a bit of a taboo subject. After all, who wants to discuss the off-the-cuff possibility of losing their children at a young age?

The denial is real, which is why 66 per cent of the population do not have any plans in place to offer financial support should their child become so ill they’re no longer able to work. Is there even such a financial product on the market?

As brought to our attention by Pure Cover, Life insurance for children has been specifically designed for such unthinkable life events. It supports parents financially should their children become ill or pass away, whilst also ensuring their insurability later in life.

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It’s surprising that more parents aren’t aware of policies such as these. After all, how would you manage emotionally or cope financially in the event of such turmoil?

For parents who have unfortunately been afflicted by heart-breaking circumstances such as these, child life insurance policies have been used to cover funeral plans, time spent away from work, medical bills, and other financial implications which arise due to the loss of a child.

Perhaps it’s hard to stomach. In fact, it certainly is almost impossible to comprehend, but next time you sit down to sort your family finances, child life insurance is an expense that’s certainly worth your consideration.

A little amount each month could protect you and your partner, not from the heartache that would ensue, not one bit, but from the financial pressures that inevitably and cruelly come along with it.

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Collaborative Article 

Photo Credit: Xavier Mouton Photographie Liana Mikah

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