Who We Serve
Life Insurance for Grandparents
Grandparents come to us for two different reasons: covering their own final expenses so the family is not left with a bill, and buying a small policy on a grandchild as a long-term gift. Both are straightforward, and both have rules worth understanding first.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you check about coverage on yourself?
Final expense whole life is the usual fit — a small permanent policy, no medical exam, premiums that typically stay level for life on whole life policies, paid directly to your named beneficiary. Sized for the funeral, outstanding medical bills, and perhaps a small gift to each grandchild.
What should you check about coverage on a grandchild?
You can insure a grandchild, but it requires the parent's consent and generally the parent as owner or co-signer. A small whole life policy on a child locks in insurability for life — if that child later develops a condition that would make them uninsurable, the policy is already in force and cannot be taken away.
Parental consent is required
Face amounts on children are limited and carriers cap them by relationship
The value is guaranteed future insurability more than the death benefit
Cash value accumulates slowly over decades and belongs to the child eventually
What should you know about What we will not recommend?
A child's whole life policy is not a college savings plan and we will not present it as one. A 529 plan almost certainly grows more for education. The honest case for a child's policy is locked-in insurability, not investment return.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Other people we help
Insuring your parents
By family role
Moms
By family role
Dads
By family role
New parents
By family role
Children
By family role
Couples
By family role
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.