Child Rider Carrier Comparison

Child riders can provide an affordable way to add life insurance coverage for eligible children to a parent's term policy. However, carrier rules vary significantly—especially when a client wants to add the rider after issue or does not yet have children when applying.

Use this quick-reference guide to identify potential carrier options before submitting an application.

Blog article image

Carrier Comparison

Carrier Can Be Added After Issue? Available With No Existing Children at Application?
Ameritas No No*
Assurity** Yes Yes
Banner – OPTerm No Yes
Cincinnati Life Yes Yes
Columbus Life Yes Yes
Corebridge Yes No*
Corebridge – Partners Group QoL Yes No*
Foresters Yes No*
Lincoln Financial Yes No*
National Life Group Yes No*
North American Yes No*
Pacific Life – PL Promise Term Yes No*
Protective Yes No*
Prudential No Yes
SBLI No No*
Transamerica – Trendsetter Super & LB Yes No*
United of Omaha – Term Life Express and Term Life Answers No No*

* A child must generally be at least 15 days old before the rider can be added.

** Assurity underwrites children who exist when the parent applies. Children born or added to the family after the policy is in force may not be eligible to be added under the same rider. Confirm the current policy provisions before submitting a case.

Important Agent Note: Carrier guidelines, rider availability, issue ages, coverage limits, underwriting requirements, and state availability may change. This table should be used as a preliminary case-design resource—not as a substitute for the carrier's current forms, illustrations, or policy provisions.

Need Help Selecting a Term Product?

Pinney's brokerage team can help you compare term products, rider availability, underwriting requirements, and carrier-specific guidelines.

Call 1-800-823-4852

Contact the Pinney Team