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Why You Should Buy Life Insurance on Your Daughter

Why You Should Buy Life Insurance on Your Daughter

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In This Article I’m Going To Talk About Why It May Be A Good Decision To Buy Life Insurance On Your Daughter, Whether She Is A Child Or An Adult

Most likely you’re here today because you’ve determined it might be an important financial decision on your behalf to ensure your daughter has life insurance coverage in place, but you’re not entirely sure if it’s a good idea to proceed in that direction.

My goal in this article is to give you a few reasons why buying life insurance on your daughter is a good idea.

Here’s An Overview Of Today’s Topic:

Premiums on children are extremely affordable

One of the things that’s great about insuring young children with a life insurance plan is that you can get a good amount of coverage for an affordable monthly premium.

Quite commonly I deal with clients who just want enough coverage in place to take care of final expenses or a small plan to start their insurance program off. And it’s amazing to see how cheap life insurance premiums are.

Life Insurance premiums on children are extremely affordable

When I work with adults who want to purchase life insurance for their daughter, the company I commonly go to is Mutual of Omaha. Mutual of Omaha has some of the best competitive rates for children’s whole life insurance coverage.

Yesterday I was running a quote for a four year old daughter. The parents purchased a 25 term insurance plan for $30,000 of coverage for only $10 a month. That’s an incredible rate! At an older age the rate for the same policy would be tremendously more expensive.

If you’re looking for coverage to put in place and you’re worried about the premium on your daughter, don’t be. You can usually get great coverage that is affordable. You’ll be very surprised at how easy it is to qualify for a competitive price!

The top 5 reasons to purchase a Life Insurance Policy

We here at Buy Life Insurance for Burial want to help you find best possible coverage per dollar, that’s why we work with a number of providers to find the best possible price for your specific application. 

If you want to find affordable coverage for your daughter, give us a call today for a free quote (888) 626-0439. It takes less than 10 minutes to get a no obligation quote. 

Alternatively you can send us a message and we will contact you within 24 business hours. 

Top 5 Reasons People Purchase Life Insurance Online

1.You are in control
The internet has opened up the opportunity for consumers to take control of their purchasing experience. With access to website and tons of information online, you can shop a number of insurance options in the comfort of your own home at a time that is convenient for you.

2.No sales people in your home
Sales people have a bad rap so it’s no surprise that consumers would rather shop on the internet than have a salesperson visit their home. If you’ve ever had a bad experience with a sales person, you probably would much rather buy life insurance online.

3.Take time to make a decision
When you shop for life insurance online you have the power to take your time making a final decision. There are no pushy salespeople, no store closing times. You can make a decision when it is right for you.

4.Do your own research
Everyone and everything is on the internet these days. That means consumers can make more informed decisions by doing research online ahead of their purchase. To ensure you are working with a reputable company, look on Google, YouTube, Facebook and other social media sites to read feedback and reviews.

5.More comfortable pace for doing business
Ultimately the advantage to buying life insurance online comes down to the ability to do business at your own pace. There’s no pushy salesperson, no time commitment. The internet has really liberated the buying process for so many different kinds of products, especially life insurance.  

If you’re looking for life insurance on yourself, it’s very cheap to add coverage for your daughter

One of the greatest things about life insurance policies is that many of them offer what is called an additional rider. These additional benefits enhance the value of your life insurance plan. A rider might include things like extra accidental life insurance coverage if you happen to die in an accident or a lump sum payout that gives extra money if you happen to be diagnosed with cancer or have a history of heart problems.

One of the more common riders on a life insurance plan is what’s known as a children’s rider. These again are tie-ins to a life insurance plan you would purchase on yourself. Whether it’s a final expense life insurance plan or an income replacement plan or something similar, these riders allow your daughter to be covered for an additional sum of money for a very low premium.

If you like what you’ve read so far give us a call at (888) 626-0439 to speak to an expert life insurance representative who can provide you with a no obligation quote that is free of charge. 

You can also send us a message using the box to the left and bottom of the screen. Let us know what you are looking for and your contact details. We’ll be in touch soon! 

Hard to place examples of clients with serious health issues

In this section I want to give some examples of hard to place health issues that we have helped clients with in the past. If you or your daughter suffer from any of these health problems, give us a call to see how we can help with your life insurance goals. 

People who have COPD may worry they will not qualify for life insurance or their premium will be through the roof, but that’s not necessarily true. I’ve helped numerous people with COPD get preferred life insurance coverage for burial and normal life insurance coverage at an affordable monthly premium.

Diabetes affects a large percentage of the population. If you suffer from diabetes, you are certainly not alone and should not have to worry about getting affordable life insurance coverage. I once had a client who took an excess of 100 units of insulin a day and we were still able to get her affordable, quality coverage. 

Cancer may seem like a health issue that would cause an individual to struggle to get approved for life insurance coverage, but the truth is I have worked with many cancer survivors who can qualify for quality coverage. Given enough time has passed there are plenty of carriers that will offer first day full coverage as long as you work with a broker like us who can shop a number of providers to find the best deal.

4.Liver or kidney problems
Many people have problems finding quality life insurance when they have a history of liver or kidney problems such as cirrhosis of the liver, hepatitis C, or chronic kidney issues.We work with a number of providers that approve people with a health history of liver and kidney problems. Even those with a history of heptitis C can get coverage if they have recently been cured.

5.Heart problems
If you’ve suffered from a stroke, heart attack, or other heart related issue, you may worry that you won’t qualify for life insurance coverage. The good news is with enough passage of time many of those who suffer from heart problems can get affordable, quality coverage. I have had clients that have had a history of heart problems and we were able to get them first day, full coverage.

6.Neurological health issues
I’ve had many clients who have had systemic lupus SLE, Parkinson’s disease, or multiple sclerosis. We were able to get them first day full coverage because we have access to a variety of carriers, some of which specialize in neurological health issues.Again this isn’t something you will commonly find with many life insurance companies because these types of issues are usually declined. That’s why it’s important to work with a broker like Buy Life Insurance for Burial.

7.Behavioral health problems
Behavioral health problems include depression, bipolar disease, schizophrenia, PTSD, and anxiety. Many people suffer from these health issues and worry that it will affect their application for life insurance.

The fact is many providers may hesitate to provide coverage to an individual with mental health issues, but when you work with a broker like us we are able to shop a number of specialized carriers that offer first day full coverage for a number of behavioral and mental health issues. 

If you suffer from any of these conditions, please get in touch. We work with a number of providers who cater to a wide range of health conditions that enable us to get quality, first day coverage for many of these health concerns.

Case Study Examples

Daughter with High Blood Pressure

A gentleman reached out to me because his daughter had recently had her first child. He was concerned about her not having life insurance and contacted me to see what we could do about getting term insurance in place. 

He explained that his daughter had a history of high blood pressure and that she had to take medication to keep her blood pressure under control.

He worried that this would affect the premium on her term insurance or that she would be disqualified altogether. Thankfully he came to us and we were able to shop a number of providers that work with high blood pressure clients. 

We were able to get his daughter first day, full coverage at an affordable rate. They were both elated by the result and had peace of mind in knowing if anything happened, the new addition to the family would be financially taken care of.

While every case is different, we do our best to find a provider that meets your goals and budget.

Smoker Living at Home

A client recently came to me seeking insurance coverage for his daughter who was living at home. He was concerned about what would happen if she passed away earlier than expected, as she didn’t have any savings for final expenses.

The only problem was his daughter was a smoker. He had heard stories of individuals being declined for insurance because they smoked and he worried his daughter wouldn’t be able to get coverage.

The good news is that despite her smoking history, Buy Life Insurance for Burial was able to get this gentleman’s daughter affordable coverage, though many other companies may have denied her or given her an expensive premium.

Buy Life Insurance for Burial strives to help our clients find quality life insurance coverage at an affordable price. Though we can’t guarantee coverage for everyone, we will make sure to do our best to find the best overall coverage and price for whatever it is that you qualify for.

Coverage qualification

Typically it’s very easy to qualify a child for life insurance. In some cases all you need is their social security number to get $5,000 up to $10,000 in coverage for only a couple of dollars a month.

Purchasing life insurance for your daughter is surprisingly inexpensive and it is especially affordable if you have a low income but want to get coverage for your daughter at a reasonable rate.

The other benefit that some of these plans offer is the ability to potentially take the plan for your granddaughter or your daughter once they grow up. What I mean by that is that you can have eligibility to get more coverage without health questions being asked.

If your daughter or granddaughter comes down with some unforeseen illness that’s chronic and incurable, you may have eligibility to get more without answering any of the questions they  often ask with some types of plans.

Is your daughter a single mom?

Owner of, David Duford, with his two 5-year old girls

My twin girls Emily and Eva thank you for reading, and 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!

If your daughter is a single mom, buying life insurance on her is probably a good idea if she can’t afford coverage on her own.

Unfortunately in America there are so many broken marriages and many mothers that live without their exes are forced to raise their children on their own.

The reality is that many people who grow up and live in a circumstance where they only have their mothers to depend on live in a very precarious situation. If that single mother were to pass away, what would happen? If the father is not very involved or is out of the picture all together, who would provide for the children?

It’s sad to think about, but something to seriously consider, especially if your daughter is a single mom.

If you, as a grandparent, lost your daughter and took custody of her children, think about the financial strain upon yourself and your family.

This is just another  reason why it’s important to purchase life insurance on your adult child who is a single mother because she plays an important role. She not only may earn an income, but also be the sole economic provider for her children.

That is something that is very difficult to replace without the funds coming out of pocket, retirement, or investments for additional expenditures.

I hope you have found this article useful in your search for more information about purchasing insurance for your daughter. Life insurance is such an important investment. I hope you have made the decision to get something on the books today.

Get in touch for a free quote to find out what your premium might look like. Contact us at (888) 626-0439 today or send us a message via our message board. We can provide you with all the information you need to get started with an application today.

Thanks for stopping by and reading this article. 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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