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Do you really want to spend your money on the next silly fad for your children or grandchildren? Something that will be broken in a week and soon forgotten. Or would you rather invest in their future by creating a legacy that will make you worthy of having your portrait over their fireplace?
By purchasing a permanent life insurance product for your young children or grandchildren you can produce a significant estate for them for a relatively small investment. The cost of a good whole life policy can be prohibitive for an adult but by setting them up for a child it is very cost-effective.
There are several advantages to setting up a permanent policy for your children or grandchildren other than the low-cost. For example, the application process is drastically simplified with less restrictive medical questions. Also, the family history questions are based on their younger parents and siblings.
By insuring your children and grandchildren at a young age you are protecting them from becoming uninsurable later in life. With 1 in 3 people being diagnosed with a critical illness at some point in our lives doesn't it make sense to have some kind of permanent insurance in place before that happens? Even if your children remain healthy, they may end up in a high-risk profession or occupation down the road making them hard or very expensive to insure.
Many of these policies have features that allow them to be fully paid up in 20 years or less. You only need to commit to a small payment for up to 20 years and you provide them with growing cash values and protection for life.
There are some that think cheap term insurance is all we need; however, I believe that the term insurance we have paid so much for throughout our lives won't be there for us when we really need it because it will be just too expensive and we will cancel the policy. I don't think you want that for your family.
Also, with the advantage of time on their side, the cash portion of a whole life policy can become quite significant by the time they are ready to retire.
In Proverbs 13:22 of the good book it says "A good man leaves an inheritance to his children's children."
Just think for a moment, when you purchase a permanent life insurance policy for a grandchild and their children become the beneficiaries, you are leaving an inheritance to your children's, children's children! That kind of loving long-term thinking just might get you that portrait over the fireplace.
Steven D. Haney is an insurance/investment professional and investor. His goal is to provide you with innovative financial solutions to better support yourself, your family and future generations. For more information visit http://www.generationalsupport.ca.
Article Source: http://EzineArticles.com/9581133
