Direct answer

It depends on whether you have a ‘child rider’ on your existing policy. If you do, you can typically add them for a small additional premium, but if you don’t, you would likely need to purchase a separate child-specific whole life policy.

Common life insurance policy rider provisions and supplemental coverage rules.


What this means for you

It depends on whether you have a ‘child rider’ on your existing policy. If you do, you can typically add them for a small additional premium, but if you don’t, you would likely need to purchase a separate child-specific whole life policy.

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