Give your child a head start
that lasts a lifetime.
A children’s life insurance policy does two powerful things: it protects your child today and builds a financial foundation they can carry into adulthood – at rates that never increase.
$5–$15
typical monthly cost for a child’s whole life policy
Locked
premiums – never increase, no matter their health later
18+
- Independent & unbiased
- Top-rated carriers
- No medical exam required
- Free, no-pressure quote
- Independent & unbiased
- Top-rated carriers
- No medical exam required
- Free, no-pressure quote
More than protection - it's a gift that grows
Lock in low rates now
Children qualify for the lowest possible premiums. Whatever rate you lock in today stays the same for life - even if they develop a health condition later.
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Build cash value over time
Whole life policies accumulate cash value your child can borrow against for college, a first home, or a business - tax advantaged and growing quietly in the background.
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Guaranteed future insurability
Many policies include a rider that lets your child buy additional coverage as an adult - no medical questions asked. A huge advantage if health issues arise.
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Peace of mind for your family
Pay for the extra support your family needs when you can't be there.
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Two ways to protect your child
Lifensure has been committed to protecting Canadian families with comprehensive, affordable life insurance solutions. Our journey began with a simple mission: to make life insurance accessible and understandable for everyone.
Whole life for children
Permanent coverage that lasts a lifetime. Builds cash value, locks in low premiums, and can be transferred to your child when they’re ready. The smartest long-term option for most families.
Child rider on parent's policy
Add a rider to your existing life insurance to cover all your children under one affordable monthly fee. Simpler, cheaper, and easy to convert to a standalone policy when they’re older.
Simple to set up, powerful over time
Get a free quote
Tell us your child's age and how much coverage you're looking for. No exam needed — most children qualify easily.
Choose the right policy
We'll walk you through whole life or a child rider on your existing policy. A licensed advisor will help you compare both options side by side.
Coverage starts immediately
Once approved, your child is covered. Many policies activate same week. You pay a small monthly premium and the policy does the rest.
Hand it off when they're ready
When your child becomes an adult, they take ownership of the policy — including all the cash value that's built up over the years.
Start your child's financial future today.
A children’s policy is one of the most affordable and lasting gifts you can give. Get a free quote in minutes – no pressure, no commitment.
No spam. No pressure. Just honest advice.