Child Life Insurance

Child life insurance is typically a whole life policy taken out by a parent or guardian. It provides:

• Lifelong Coverage: Once approved, the policy stays in force as long as premiums are paid.
• Locked-In Premiums: Rates remain low and fixed, no matter how your child’s health changes.
• Cash Value Growth: Over time, the policy builds cash value that your child can borrow against in the future.

You can transfer ownership of the policy to your child when they reach adulthood, giving them a head start with lifelong coverage already in place.

The best time to buy child life insurance is when your child is young and healthy. Policies are more affordable and easier to qualify for at younger ages, helping you lock in low rates while offering guaranteed protection.

Many families choose to purchase a policy soon after birth, but it’s never too late to explore options for your growing child.

While no parent wants to imagine the unthinkable, child life insurance offers a financial safety net that can help cover:

• Funeral and medical expenses in a tragedy
• Future financial support for the family
• Cash value that can be used later for college, a down payment, or emergencies

It’s a way to safeguard your child’s financial future and provide added peace of mind to your family.

At Sargent Insurance Agency, we understand how deeply you care for your family. Our experienced advisors will walk you through your child life insurance options with clarity and compassion, just like we would for our own.

As a trusted, family-run insurance agency in Arkansas, we’re here to help you make informed decisions that put your loved ones first. Let us guide you in choosing a plan that fits your budget and your family’s long-term needs.