Child life insurance quotes can be obtained through the mail when solicited, or through the technology of the Internet through the request of a website. In order to receive this information, the agent must be licensed in the state of sale. The license requirement varies from each state, and if the child life insurance quote is for an investment type policy, the agent will also have to be licensed through the NASD or National Association of Securities Dealers, or the SEC or Securities Exchange Commission. It is important to know all options and terms of any and all policies before making a final decision. If a policy ever has to be used there will be the understanding and knowledge of what lies ahead financially in the case of disaster.
Getting multiple child life insurance quotes from various insurance agencies is a wise method, as shopping around for the best rates on the most coverage is key. When requesting a child life insurance quote, it is important to remember to list one or two beneficiaries. For some people the idea of child coverage may seem depressing or even morbid, but it is important to remember that earthly life and heavenly life are separate. Matthew 18:2-3 says "And Jesus called a little child unto him, and set him in the midst of them, and said, Verily I say unto you, Except ye be converted, and become as little children, ye shall not enter into the kingdom of heaven." This verse provides comfort to those that may be frightened about the thought of why insurance should be purchased. Having trust in the Heavenly Father is a must, but protection for the people left behind also honors God by taking care of family even in the case of tragedy.
Typically the child's parents are listed as beneficiaries; however, once the quote is accepted and a policy drawn up, the parent may want to include a third beneficiary if the parents should pass away before the child turns 18 and can change the beneficiary themselves. Typically a brother or sister; aunt or uncle; is listed as a third beneficiary. Once the child life insurance quotes have been reviewed, making the right decision to enroll with the right company must be made. The best child life insurance quote companies are those that offer whole life benefits (throughout the child's entire life) and allow interest made on the policy to be withdrawn or borrowed against.
For more information: http://www.christianet.com/lifeinsurance
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