Child life insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Richfield, West Bend, Rubicon, Iron Ridge, Neosho, Hustisford, and Theresa.

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life insurance policy to help you decide if it’s right for your family.

While life insurance is usually associated with breadwinners, there are some good reasons to get it for a child. But, it’s very much a case-by-case product, so it’s worth getting expert advice.

Child life insurance is usually a whole life policy that starts much earlier in life than usual. It has three main advantages.

  • One is that it can cover funeral costs, counseling and leave from work in the tragic event that your child dies.
  • The second advantage is that it can act as a form of savings, particularly for college fees. Most child life insurance policies build up a cash reserve that you can either withdraw (for a fee) or use as security on a loan. In most cases, the growth of this cash reserve is at a guaranteed rate.
  • The final advantage is that starting a policy now reduces the risk of your child having trouble getting a policy themselves as an adult if they’ve developed a medical condition in the meantime.

How relevant and significant these benefits are will depend on your financial circumstances, your other savings and investments and your attitude toward risk.

To get more insight into whether child life insurance is right for your family, contact us today.

Let’s discuss your child life insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate child life insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
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R.S. Semler & Associates Insurance, Inc. offers comprehensive child life insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.