Children Growth & Savings Plans

A lifelong financial gift establishing permanent coverage, cash value accumulation, and guaranteed insurability for your child or grandchild.

Regulated Rates from $18/mo

Licensed Counselor Included

Zero Brokerage Markups

Guaranteed Rate Lock

Starting at $18/mo

Or call toll-free: 1-800-555-OPTAVISE

Core Coverage Benefits & Protections

Locks in rock-bottom childhood rates that remain level for life

Guaranteed purchase options allowing child to increase coverage up to 10x as an adult

Builds cash value that can be tapped for college tuition, first home, or marriage

Policy automatically transfers to child at age 18 or 21

Premium waiver if parent/guardian passes away or becomes disabled

Plan Level	Coverage Target	Living Benefits	Underwriting
Standard SelectPure Protection	$100,000 – $250,000	Terminal Illness	24–48 Hr Simplified
Preferred PlusMost Popular	$250,000 – $750,000	Chronic & Disability Waiver	Instant Accelerated E-Sign
Premier LifetimeMaximum Wealth Defense	$750,000 – $2,000,000+	All Living Benefits + AD&D	Counselor Guided

Payer Death & Disability Waiver

Guaranteed Purchase Option (GPO)

Calculate regulated benchmark rates for your age.

Assigned Specialist

Sarah Jenkins

Senior Benefits Counselor

“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”