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From GunGame5 Documentation

life insurance for children is a heavily growing market because of diseases and illnesses that exist today. In the world we live in today children are becoming more vulnerable to new illnesses and it is important to protect them in a financial sense in case something was to develop. It is a shame that most people do not even know they can get life insurance on their kids.

It is a lot cheaper to get a life policy on your child when they are healthy as opposed to after they develop an unfortunate illness. For example, I have a friend who has a 5 year old son who was very healthy and all of a sudden had developed a terrible case of asthma, in fact it was life threatening! He could not sleep for days as his son was hospitalized, doctors really did not know how things were going to turn out because of weak his lungs were.

Now, I know that no parent actually ever wants to think of their own children passing away at an early stage of their lives, but it happens and it happens more often today than before. So my friend called a life insurance company to see how much a policy would cost since things were not looking good. They quoted him $55 per month more than your typical low premium payment because his son was already in a life threatening situation!

Article Source: life insurance for children