Heritage Youth Protector

You can’t hold their hands forever, but you can provide security long after they’ve let go. Give the gift of security with the Heritage Youth Protector.

Purchasing life insurance for your child or grandchild while they are your provides insurance at an affordable premium and guarantees that your child can purchase additional insurance in adulthood, without evidence of insurability. This means that should they have developed an illness or suffered an accident they will still be able to purchase more insurance to cover the additional needs of adulthood and family.


  • Issue ages 30 days – 21 years.
  • Can be purchased by a parent or grandparent.
  • Term life insurance with the option to convert to whole life at age 25.
  • The whole life policy builds cash value.
  • Issue amounts of $5,000, $10,000, $15,000 or $20,000
  • Guaranteed Insurability Riders: ensures ability to purchase additional insurance without a medical exam. Options to purchase additional insurance at ages 25, 28, 31, 37 and 40.
  • Waiver of Premium Rider: ensures the policy will stay in force should the insured become unable to make premium payments due to disability.
  • Simple application.
  • No medical exam.

Please contact Investors Heritage to locate an authorized agent in your area.