Posted on August 3rd, 2024

by Caroline Ledell

2 min read

Let’s be honest—when our kids were little, their biggest financial concerns were choosing between buying more Legos or saving up for that cool new video game. But we, being the overachieving parents we are, decided to sneak in some financial planning by buying life insurance for them.

Yep, we were those parents.

Here’s Why We Did It (And Why You Might Want To, Too):

1. Buy Low, Sleep Well

Life insurance for kids is like snagging a Black Friday deal—crazy affordable. Lock in those low premiums while they’re young, and you’ll thank yourself later.

2. Growing Cash Value

As the kids grow, so does the cash value of the policy. It’s like a savings account with a fancy name.

3. No Extra Hoops to Jump Through

Some policies let you increase coverage over time without extra medical exams or underwriting drama. We opted for this—because who has time for more paperwork?

4. Hand It Over

Once the kids grow up and start adulting (a miracle, I know), you can transfer the policy to them. Congrats! You just passed down a financial asset—along with your secret family recipes.

Now, our kids are full-fledged adults—handling life, paying their premiums, and (shockingly) knowing the difference between a beneficiary and a barista. And while they’re busy doing that, those life insurance policies we funded are now set to protect them and their future families.

So, if you’re thinking about giving your kids more than just your good looks and sense of humor, consider this:

✅ Life insurance isn’t just about peace of mind—it’s a financial head start.

✅ It’s a safety net that could one day protect their loved ones, too.

And if you’re ready to chat about setting up something similar for your little ones, we’ve got a financial pro on speed dial.

Want In? Let’s Talk.

📞 Call us or Text 'KIDS' to (832) 885-2067
📧 Email: [email protected]
🌐 Schedule an appointment click the link vandjlife.com 

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• Monday – Thursday: 8 AM – 5 PM (PST)
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💡 Give your kids a financial edge today!