我的寶寶需要人壽保險嗎？
我的寶寶需要人壽保險嗎？
 The two other reasons would be "garanteeing" their insurability and for efficient acumulation of funds. Many people purchase "umping juvinile" policies on their young children to lock in a low rate and to garantee that the child has life insurance, that serious health conditions can prevent a child/young adult from obtaining life insurance once such a health issue is diagnosed, purchacing a policy before the diagnosis will "lock" in the policy no matter what happens. Then the child reaches a prescribed age, generally 21, the face of the policy is increased automatically without the imposition of either an additional premium charge or a medical examination. The other reason for purchasing life insurance on one's baby would be for a college funding vehicle. The three most popular college funding vehicles are 529(c) accounts, Coverdell education savings accounts and Equity Indexed Universal Life policies. However one must structure the EIUL policy accordingly so that it effeciently accumulates excess cash value.
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