Smart Life Insurance for Children with College Savings
Start building a strong financial foundation for your child—today.
Children’s life insurance offers more than protection—it’s a smart way to save for college and future milestones. At Lorraine Smith Insurance, we help parents and grandparents invest in a child’s future through life insurance policies that grow in value over time.
What Is Children’s Life / College Savings Insurance?
Children’s life insurance is a permanent policy purchased by a parent or guardian. It provides lifelong coverage and includes a cash value component that grows over time—tax-deferred. These funds can later be used to help pay for college, buy a first car, or put a down payment on a home.
Benefits of Children’s Life / College Saving Insurance
Lifelong Protection
Lock in low rates while your child is young and healthy
Guaranteed Insurability
Your child can keep coverage for life, even if health changes
College Fund Growth
Cash value builds over time and can be used for education
Gift of Stability
A meaningful way to invest in their success and well-being
Financial Head Start
Create early financial security for your child’s future
Is Children’s Insurance Right for You?
You may benefit from this type of policy if you:
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Want to give your child or grandchild a financial head start
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Prefer to lock in affordable premiums now
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Are interested in long-term savings for college or life milestones
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Want to protect your child’s future insurability
Why Choose Lorraine Smith Insurance?
We’re here to help you plan for your child’s future with confidence. At Lorraine Smith Insurance, we provide:
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Simple, flexible options tailored for your budget
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Expert guidance on how life insurance can support college planning
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Honest answers to help you make the best decision for your family
We treat your family’s future like our own—with care and commitment.
