Guaranteed insurability for your children is one of the best gifts you can provide to secure a child's future. Regardless of the child’s age or health, a one-time premium payment as low as $99 guarantees coverage for a child until age 23- No medical or physical exam required! At age 23, the policy can be converted to a $25,000 permanent life policy at standard annual level rates, even though at the time your child may be otherwise totally uninsurable. The benefits can never be cancelled regardless of future health issues.