By Peggy von Kaufman, CISP, ALMI, ACS — Vice President/Operations

As parents and grandparents, we want to give the children we love every opportunity for a bright future. We help them learn, grow, and pursue their dreams, while doing our best to protect them along the way. While many gifts are enjoyed for only a short time, some can provide value well into adulthood. The Just For Kids (JFK) policy offers valuable protection at a remarkably low cost, giving families added peace of mind, along with benefits that can help safeguard a child’s future options for years to come.

Just For Kids (JFK) is a special term life insurance policy designed exclusively to be issued on children from 14 days old through 17 years old and provides protection until their 22^nd birthday. It offers affordable coverage with a simple one-time payment and provides the opportunity for future coverage without worrying about health changes later in life.

Simple, Affordable Coverage

The JFK policy offers two coverage options:

• $10,000 of Life Insurance Coverage – One-time premium of $100
• $20,000 of Life Insurance Coverage – One-time premium of $200

There are no ongoing premium payments for the term coverage. A single payment provides coverage during the policy period, making it an easy and affordable gift for a child or grandchild.

A Valuable Future Benefit

One of the most attractive features of the JFK policy is the guaranteed conversion privilege.

When the insured child reaches age 22, the JFK policy may be converted into $50,000 of permanent life insurance, without providing proof of insurability. This means the child you care about will always have access to coverage, even if future health issues would otherwise make it hard to qualify.

For many families, this may be the policy’s greatest benefit. By securing coverage early, parents and grandparents can help preserve an important financial opportunity that the child may one day appreciate when protecting their own family, planning for the future, or building long-term financial security.

Why Families Choose JFK

✔ Affordable one-time premium

✔ Issue ages 14 days through 17 years and coverage remains in force until age 22

✔ Choice of $10,000 or $20,000 benefit amount

✔ No ongoing premium payments during the term period

✔ Guaranteed option to convert to Whole Life at age 22

✔ No proof of insurability required for conversion

✔ A meaningful gift that can continue providing value well into adulthood

The Just For Kids (JFK) policy is more than term life insurance. It’s a thoughtful way to help secure a child’s future. With affordable coverage today and the opportunity for lifelong protection tomorrow, JFK can give parents and grandparents a meaningful way to invest in a child they love.