Coverage is eliminated under a children's term rider when the child reaches a certain age.
A child term rider is a life insurance supplement that pays a death benefit if one (or more) of your children dies. This extra coverage acts as a safety net that allows you to focus on your family instead of worrying about paying funeral expenses. Adding this policy to your life insurance policy is an inexpensive way to insure your child's life without having to purchase a separate one. The practical thing about this policy is that they are convertible, so they can be converted into permanent life insurance for children.
To be eligible for this add-on, the child must be between 15 days and 18 years old. The period of insurance is until the child's 25th or your 65th birthday, whichever comes first. Once the policy expires, your child can convert the insurance tab to a standalone personal policy without going through the health check or approval process again.
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