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Life Insurance For A Baby

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I’m Going To Talk About The Four Reasons Why To Buy Life Insurance On A Baby

Firstly, it’s important to paint a picture of why people get life insurance on a baby.

Today’s Topic Overview:

Why get life insurance on a baby?

Imagine that a newborn child or grandchild is born. Feel the happiness, love and everlasting joy. Now imagine for a moment that weeks or months later, the baby is diagnosed with neuroblastoma.

You sit by and watch your child suffer from chemotherapy and radiation treatments. Ultimately, within a matter of months, a little one dies, fighting all the way. Imagine that loss. Imagine the grief that you would feel on the inside.

Coupled with that, imagine the economic stress of covering for the baby’s funeral expenses.  It’s unlikely that you would go cheap on a funeral for a newborn.

Many people don’t think like that.

Burying your loved ones, especially a little baby, can cost on average $10,000 or more. Imagine trying to come out of pocket financially to cover for these expenses. Would this cause you financial strife?

It could make a tremendous impact on your financial capability. If this is the case, then it’s a good reason to have life insurance. Of course, nobody likes to think like this. If these questions disturb you, I apologize.

But it’s necessary to talk like this to get you in the frame of mind to think about why it’s important to get life insurance on a baby.

I have four children myself. The last thing I want is for my children to die. But it does happen. Death happens unexpectedly and unfairly. And the costs must be paid.

That’s where life insurance comes in. Financially, it can save many families lives. It’s worth taking a look at and considering.

I’ve got top four tips here to consider when buying life insurance on a baby. They’ll help you determine whether it makes sense for you to buy it.

If you would like to receive a personalized, free quote, send us a message using our message box or call us at (888) 626-0439. You will work with an expert in the field who can provide more information regarding what you might qualify for. 

Four tips to consider when buying life insurance on the baby

1. Look Beyond Gerber Life Insurance

The most popular form of life insurance on a child is Gerber. You’ve probably received tons of solicitations in the mail, and seen a variety of different advertisements on tv, telling you how great the Gerber Life Insurance Product is.

Everything that they describe sounds great. It’s called the Grow Up plan. It goes up in coverage at a later date and time. It’s usually very affordable. However, this is not the only option for life insurance coverage for your child.

The options that you may see through Gerber may not be as much as you’d like. Perhaps you’d like to see if there are different advantages and benefits to other kinds of plans. Perhaps you are on a limited income and you feel like paying for that amount of coverage is too expensive.

Luckily, there are options for life insurance beyond Gerber. Life insurance companies such as Mutual of Omaha and TransAmerica offer child or grandchild protection. Their policies will do a substantial job of protecting them at reasonable and affordable prices.

2. Why Life Insurance For Your Baby Is Necessary

You need to decide why life insurance for your baby is necessary. This relates back to my first point. I really want you to think before you make the decision of whether this is right for you or not.

Put yourself in the scenario of your child or grandchild dying. I want you to visualize what that feeling would be like. I want you to walk through the emotion and sadness of losing a loved one and how that would affect you.

Then I want you to think about the economic pain that you would feel. It’s not the most evident aspect. All we can think about is the loss of someone we love. Put that to the side and think about how it would affect your income.

If you’re the parent, how would it affect you? Could you have the money available to pay for the funeral of your baby? Would you want to ask people that you love to help pay for it? How would that make you feel? Embarrassed or shamed?

If you’re a grandparent, can your child afford your grandchild’s death? Can they put the money together to help? Do you feel like you could put together some kind of plan?

Can you pay for final expenses on an affordable basis?

These are really tough questions to ask, but they’re necessary for determining the real reason why coverage is needed. People don’t buy life insurance because they like to splurge money on it. I found that out as a life insurance professional very early on in my career.

People buy life insurance because they need life insurance. There’s an emotional drive to it. They understand it’s vast importance and make the decision to buy it.

If you can’t answer these questions honestly then it’s very likely this is not right for you. I would implore you not to buy it. But if you feel a strong emotional response to these ideas, it’s a good idea to purchase life insurance on your baby.

3. Grandparents Can Buy Life Insurance For Their Kids

I’ve mentioned this. Most people think that life insurance is purchased by parents on their children to take care of final expenses, among other reasons. Grandparents can buy life insurance for their kids too.

There are great products out there that I’ve represented for years. They make it very easy and attainable to buy life insurance on a baby if you’re a grandparent.

Mutual of Omaha Insurance has a fantastic product that doesn’t require social security.

It only requires a birthday. It’s a simple two or three-page application and prices start at less than $5 for $10,000 in coverage. That’s a great price. The entire application can be done over the phone.

Grandparents can sometimes run into difficulty with getting their children to agree to give them the information necessary to take out life insurance on their grandchild.

A lot of life insurance applications require social security numbers. The grandparents feel a little awkward asking their kids for all this information. The kids get mad at them for considering buying life insurance.

You can avoid that entirely with Mutual of Omaha. They don’t ask about social security information. You don’t have to gain the consent of the parent to take out life insurance either. This makes life super simple if all you’re looking for is a small amount of coverage that’s designed to protect the grandchildren. You want to make it as easy as possible to take out.

4. Ways To Take Out Life Insurance For A Baby

There are a couple of ways to take out life insurance for a baby, whether you’re a parent or grandparent. Decide if you want a separate plan or to add on to your current existing coverage.

If you like what you have read so far and would like to get a no-obligation quote, feel free to get in touch by calling (888) 626-0439. You can also send us a message with your contact details and we will reply within 24 business hours. 

Case study examples

Welcoming a First Child

A couple came to me a couple of months ago with their newborn baby. They explained that having their son had impressed upon them the need for each of them to get life insurance in place to ensure the baby would be raised in a financially stable environment should anything happen to either parent.

The mother admitted to me that though she was in overall good health, she did have type 1 diabetes. She had to take up to 100 units of insulin a day to manage her blood sugar and she was concerned this would have an impact on her eligibility.

Because we work with a number of providers, I was able to look at a variety of options for this couple and come up with the best value for their money. They were very pleased that they could get first day, full coverage at an affordable rate.

While I can’t guarantee the same outcome for every first-time parent, we do our best to find a provider that will accept any specific health conditions you may have.

Lifetime Coverage

After the birth of their daughter, Mr. and Mrs. Yates called Buy Life Insurance for Burial to ask about getting life insurance that their daughter could one take assume responsibility for. They understood buying life insurance for their daughter while she was young had many benefits and wanted to take advantage of the opportunity.

The only problem was that they were on a fixed budget and could only afford a specific amount each month for the payment. I assured them not to worry and went about looking at a number of providers to see what we could do for them.

Long story short, I was able to find a plan that met their needs and fit within their monthly budget. They were relieved to be able to get life insurance for their daughter and thanked me for helping them.

Every family’s situation is different and not all applicants will qualify, but we here at Buy Life Insurance for Burial do our best to find quality coverage for every individual.

Standalone plans

You can buy a standalone life insurance policy for your baby. Companies like Gerber and Mutual of Omaha provide what’s called a simplified issue life insurance product. You can get a small amount or a significant amount of coverage. It’s designed to be a permanent life insurance product where the rates never go up and the plan never cancels. As long as the baby qualifies, it’s fully covered from the first day.

The benefit of these plans is that they tend to be affordable. Health questions tend to be flexible. If you’re a grandparent taking it out, it’s a very simple application. Once they’re old enough and responsible enough, the covered child can take the plan. They can continue to pay for it so they have some coverage on the books.

Take life insurance out on yourself

You’re a parent. You also need life insurance. You can buy a life insurance plan to cover or protect yourself if you pass away and add your child on it with what’s known as a child rider.

This is an affordable option. Add a term life insurance product that will last until your child is typically 20 to 25. It can then be converted into a whole life policy without evidence of insurability. This means that if your child ends up developing health issues they can still get coverage. They can keep it forever without having to answer health questions to take it out.

This is a great way to get coverage. It also kills two birds with one stone. You can fully protect not only your child but also yourself. You need to consider this process of looking for life insurance if you don’t yet have your own policy.

The same benefit is also offered with some life insurance companies on older people. This would normally be grandchild/grandparent insurance. If you’re a grandparent of fifty or older there are life insurance policies that will allow you to get a rider for grandchild coverage benefit. I have access to several companies that will allow for this. It allows you to get more done within one policy.

Stories from the field

My father, who used to work in the insurance business, gave me a referral a few years ago that proved to be a poster story for why it is so important to get quality, first day coverage. 

The referal was an older gentleman named Mr. Jones. He was 84 years old to be exact. He was aware that at the age of 85 he would no longer be able to get additional coverage, so he had come to me to speak with me about his recent marriage and his desire to add to his policy.

However, there was a bit of a problem with Mr. Jone’s application. He had experienced a number of strokes and was taking blood thinners to prevent any more health problems.

I knew this could have an affect on his ability to get more coverage, but assured him that we had access to a number of providers who worked with older clients with the same kind of health issues.

After doing some digging I was able to qualify him for several different life insurance plans at preferred rates and we were able to provide first day full coverage for natural and accidental causes. This was great news to Mr. Jones, as he understood the important of first day coverage, especially at his age.

After signing the paperwork, I didn’t hear anything more from Mr. Jones until a few months later when I got word that he had passed away from heart failure. I was saddened by the news, but so thankful that I had been given the chance to work with the kind gentleman.

We were able to pay out the entire balance of his death claim to his spouse, something that made a huge difference to the quality of life she would have for her remaining years.

This experience impressed upon me how important it is to get first day coverage. Had Mr. Jones gone with a different company, like those guaranteeing life insurance on TV or in the mail, he may have had to undergo a 2 to 3 year waiting period. His wife would not have been entitled to a death claim and the payments Mr. Jones would have made would have been for nothing.

By no means can I guarantee that everyone reading this will qualify for first day life insurance coverage, but it is something that is really important to keep in mind as you look for life insurance. 

We don’t know when our final day on earth is going to be, so of course it is always best to get something rather than nothing on the books. But if you can qualify for first day coverage it will give you that much more peace of mind in knowing you are covered from day one.

Top 5 reasons people purchase life insurance online

1.You are in control
The internet puts the consumer in the driver seat. With access to websites and information online, you can shop among a diverse range of providers, get free quotes, and do background checks on companies you are interested in.

2.No salespeople in your house
Salespeople have a bad rap and it’s understandable. For years salespeople took advantage of consumers with their high-pressure, pushy sales tactics. But now that you can shop for life insurance online, you no longer need to speak with a salesperson in your home.

3.Take time to make a decision
Back in the day when salespeople provided life insurance information by visiting your home, there was often an unspoken time restriction put on consumers to make a decision the same day and sign paperwork.Now that you can buy online, you can decide when you make that decision and there is no pressure from any outside sources telling you what to do.

4.Do your background check
The internet is a great source of information for researching providers to see if they are legit. Do a Google search, check out their website, read past reviews and watch any YouTube videos they may have. All of these things will tell you if they are a reputable company worthy of your business.

5.More comfortable pace to doing business
Who doesn’t love the fact that you can shop life insurance options while in the comfort of your own home at a time that is right for you. The internet has liberated consumers from the notion that they have to go to a brick and mortar business or have a sales call to buy a life insurance policy.

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Next steps

These are the top four tips in purchasing life insurance on baby.

I want you to reach out to me if you feel it’s important that life insurance is taken out on your child or grandchild.

I shop with the most competitive carriers for the best combination of price and coverage. Within 5 or 10 minutes my team can show you what your options are.

If you’re interested in qualifying for life insurance, visit my website. You can go to and grab a free quote.

I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

I hope this article has convinced you of the importance of getting life insurance. If you would like to speak to an expert in the field, please call us at (888) 626-0439 or send us a message using our message box to the left or bottom of this page. 

Thanks for reading and we hope to speak with you soon!


We work with individuals across the nation to secure the best life insurance rates.

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