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Child Life
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Life insurance can be quite a sensitive topic, but more so when it focuses on insuring the life of a child. It is unimaginable to lose a child; therefore most people find it is impossible to think about protecting their financial interests in the event of losing a child. Whether parents have the means to afford a funeral or not, most parents would simply not want to talk about this subject.
However, the unthinkable can happen to anyone. That's not all; there are several other really sound reasons to purchase life insurance for a child. Let's see what they are:
Why purchasing child life insurance is worth the money
- Child life insurance is very affordable. You can choose between term and permanent life. Term policies can be very affordable, working out to just $10-$20 per year.
- On the contrary, funeral expenses can be quite unaffordable, if you don't have the means. A funeral today costs anywhere between $5,000 and $10,000.
- If you don't wish to buy a separate policy, you can opt for a child rider in your own life insurance policy.
- There could be a hobby or trait that will make your child's life uninsurable in later years. Since child's policies can be converted into an adult policy later on without proving insurability, it is a great back-up plan to have.
- Some health conditions like Type 1Diabetes, a congenital heart defect, cancer or epilepsy can make life insurance unaffordable. Having a child policy is a good way to lock in cheap premiums, and avoid having to prove insurability in adulthood if your child suffers from any of these.
- A child's death can be devastating to a parent. While no financial benefit can offset the pain, ease your mind, or make you feel better about losing a child, a child's policy can help you in small ways:
- Most companies give parents a few weeks off when a child dies, but sometimes it may take a while for them to go back to work, and quite understandably. The death benefit could help you take a bit longer, without having to worry about finances.
- Sometimes a child is ill before dying, and when health care costs are quite prohibitive, or not covered by health insurance, the death benefit can come in handy to cover these costs.
- In instances when parents find it very difficult to accept the loss, the death benefit can also pay for professional grief counseling.
- Many parents when faced with the loss of a child use the death benefit establish memorials or charities to help other children in need.
Should you buy whole life or term life insurance on a child's policy?
While we have seen through the above reasons that life insurance can really be worth the money, should you buy term life or whole life? That is a very personal decision, but to help you decide, here is some additional information:
Child Term Life Insurance
- Term life insurance is very affordable, and even if it is temporary protection, it can be converted to an adult policy when the child grows up.
- Parents who purchase term policies on children usually do so for the sake of life insurance viz., to provide them with a death benefit that can take away the worry of finances while they grieve their loss. Some people think this is outrageous, and think that the amount spent on premiums could instead be utilized in a safe investment vehicle. However, there is nothing wrong in insuring a child for the sake of pure insurance reasons.
Child Whole Life Insurance Policies
- Whole life insurance is permanent life insurance, and will be with your child throughout his or her life. While whole life policies are more expensive than term life, purchasing whole life for a child is quite cheap, when compared to purchasing whole life for an adult.
- Parents who purchase whole life typically do so not just for the death benefit, but also as an investment opportunity for the child that will benefit them later on in life. There is a school of thought that says that over the course of time this investment won't be able to keep up with inflation, making the current payments useless. However, some death benefit is better than none at all. Remember, it will have done its job during the earlier years, especially when you keep the next point in mind.
- Some parents are of the opinion that whole life policies can be encased if their children need money for college expenses. Some parents also intend to borrow against it, but this point is once again debatable, because when you borrow against whole life, you are charged an interest.
A child policy makes sense only if the parents' lives are insured.
Buying a child life insurance policy is a very personal decision, but do not even consider buying a child life policy if you yourself are uninsured. The primary way to protect your child is by insuring yourself, because the chances of a child dying are quite slim when compared to chances of an adult dying. So, consider child life insurance only if you are insured yourself.
A child's policy costs little, and it is a wise expense not just for the death benefit and the money to pay for an honorable burial. The ability to carry on the policy into adulthood is a great gift that any parent can give to their child.
About AccuQuote: >AccuQuote is a leader in providing term insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.
Using Chess To Teach Your Child Life Skills
Many times, parents try to find any type of product that will help develop their child's life skills, teaching them to increase these skills for use in later life. Chess is one of the games that parents will use today to teach their children life skills and help with their interaction skills.
One of the skills that a child can learn is competition; they learn to compete with their peers in a friendly environment. They are able to pick up the required skills through practice teaching them that they can accomplish anything. They learn to be gracious winners and good sportsmanship through these competitive games of chess. This teaches them to be confident and gives them a sense of independent accomplishment, helping them take on life's challenges in their later years.
While in competition, another skill learned by children is the sense of community, by giving a helping hand to other children who are learning to play the game. They help create ways to win the game; they help represent the games at their schools. They take part in the two player teams where they help each other develop their skills through practice and cooperation.
Playing the game of chess also helps children learn fair play, this is very important in the child's later years making them more likely to grow up and treat other fairly, and to be respectful of others feelings. In addition, to being fair they learn how to treat others equally. They play against children of all races, genders and many different ages. They will discover that everyone who plays chess has an equal opportunity to be winners of the game. They also learn to play the game by the rules and they know that everyone will have the exact same rules. In this process they know that they are not any different from anyone else and the game of chess does not have any favorites, in order to win you must be like everyone else who plays the game, and learn the game through practice and game play.
In the game of chess, children learn the value of working hard; they must study the game, from beginning tactics to more advanced strategies. They will learn that through intense study and long hours of practice that they will be able to succeed at winning in competition. These skills come in handy for your child when they are in school, and through out their lives, they learn that through hard work and persistence they will succeed.
The last but certainly not the least, Chess teaches your children responsibility, they learn to be fair and to take the time to do what needs to be done when training. It means that they must live with the actions they use, and accept the consequences that are associated with those actions. They learn self control and they are more likely to think before they make any decisions. The game of chess gives you the opportunity to introduce your child to very important skills that they will need to succeed in their lives.
About the Author
Victor Epand is an expert consultant for board games, chess boards, and dungeons and dragons miniatures. You will find all these things and more if you visit used board games, chess and children, and dungeons and dragons miniatures.
Is life more difficult after having second child?
My partner and I are trying to conceive our second child. Life with one child is fairly chaotic and I feel quite tired alot of the time.
What are you experiences with having more than one child? What is more difficult (if anything)?
I would seriously assume so. My partner and I might currently be pregnant, but don't know for sure (gotta wait another week) and if we're not, we are going to wait a while. But he has a 4 yr old by his ex wife. And we've had them together a few times for 8-10 hrs a day some days and it's very difficult. If I had to do it alone, I'd be dead by 8 o clock! LOL. At the time ours was 8 months and she had just turned four. We had to separate our time between them, and that was difficult. Plus ours got jealous of his being around us, like when we hugged. When it was nap time for the little one, the big one wanted me to hold and cuddle her to sleep and when she was almost asleep, mine wanted to nurse so I had to tuck her in and nurse the little one, but I sang while I did it so she could hear too. It's do-able, but you have to really get in the knack of it. It seemed like the little one was just being toted around while we supervised #1, but we let them play together. And ours really liked his a lot and wanted to eat her shoes and hair bows I put in, so you have to give #1 space and not impend the baby on her
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