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Child life insurance is a form of permanent life insurance that insures the life of a minor. It is usually purchased to protect a family against the sudden and unexpected costs of a child’s funeral or burial〔http://www.netquote.com/life-insurance/understand/child-life-insurance-secure.aspx〕 and to secure inexpensive and guaranteed insurance for the lifetime of the child.〔http://www.compuquotes.com/Child-Life-Insurance.html〕 It offers guaranteed growth of cash value, which some carriers allow to be withdrawn (collapsing the policy) when the child is in their early twenties.〔http://www.gerberlife.com/gl/view/guide_products/growup/index.jsp〕 Child life insurance policies typically offer the owner the option to purchase, or in some cases obtain additional guaranteed insurance when the child reaches maturity.〔http://www.gerberlife.com/gl/view/guide_products/esp/index.jsp〕 Child life insurance policies typically:〔http://www.buy-globe-life.com/?utm_source=google&utm_medium=ppc&utm_campaign=globe&gclid=CIaBzMPkiaUCFQRM5QodvhfVMQ〕〔http://www.gerberlife.com/gl/view/index.jsp〕 *Are issued with face values between $5,000 and $50,000. *Are always issued without a required medical examination. *Have zero investment and zero interest rate risk associated with cash value growth. *Provide insurance coverage for a designated beneficiary. Child life insurance should not be confused with juvenile life insurance, which is issued with much larger face values (normally $100,000 - $10,000,000) and is generally purchased for college savings, lifetime savings, estate planning and guaranteed insurability.〔http://juvenilelifeinsurance.org/what_is_it.html〕 Child life insurance has been criticized for causing a motive for murder of insured children. 45 coroners have stated that child life insurance is a motive to murder.() == References == 〔 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「child life insurance」の詳細全文を読む スポンサード リンク
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