Why buy youth life Insurance?

With a youth life insurance policy, you can protect your child’s future with a low-cost premium until they turn age 18. Your child will then take ownership of the policy by continuing to pay for coverage at the locked-in rate when purchased, convert to a different policy or cancel the coverage for a reduced paid-up sum. A youth whole life product also provides guaranteed insurability. This means that when your child turns 18, they won’t need to go through a medical exam to buy additional coverage, ensuring that your child will be covered even if they develop a health condition that might cause them to be declined coverage when older.

What are the benefits of buying life insurance at a young age?

Buying life insurance at a young age is the cheapest option. A youth policy provides guaranteed insurability for your child, meaning coverage won’t be canceled regardless of any future health conditions. This product carries over after your child turns 18 and can be converted to a different policy. Cash value is also accumulating throughout the life of a policy. Buying young is smart planning and setting your child up for financial success in the future.

How do I select the right amount of coverage?

We recommend $50,000 in coverage for your child. This is smart planning for their financial future, and it will always be there if the unthinkable happens. Being able to guarantee your child’s future insurability alone is a huge benefit to them. The cash value accumulating over the life of the policy offers your child more options once they turn 18.

According to the National Funeral Directors Association, the national median cost of a funeral with viewing and burial for calendar year 2021 was $7,848. This price excludes the cost of a vault which is typically required by a cemetery. No one want to think about losing their child, but a Youth Life Insurance policy can provide you peace of mind.

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Who is EMC National Life?

EMC National Life Company's (EMCNL) brand promise is Count on EMC to Make Life Easy®. We strive to demonstrate our brand promise in everything we do, whether it’s providing superior customer service, developing simple and straightforward products, or using technology to increase our efficiency and accuracy.

We know life insurance can provide the means to help sustain lifestyles, allow children to go to college, keep people in their homes, assist when illnesses happen, pay the bills on time and keep families united. Therefore, it is our top priority to make life insurance easy for you. We are committed to meeting the challenges of a changing market and appreciate your trust and support as we continue to protect you and your family's financial future.

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