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Should you buy an insurance plan for your child?

A child-focused policy can combine a savings goal with protection, but parents should judge it by guarantees, fees, access, premium-waiver features and what happens if the payer dies or stops contributing.

What to check

Compare the target date and amount, guaranteed and illustrated values, surrender terms, missed-premium rules, beneficiary structure and alternative savings options.

What could change the answer

‘Your child’s education is guaranteed’ is only accurate where the contract clearly provides that benefit and all conditions are met.

A practical next step

Price the education goal first, then compare at least one simple savings route and one protection-plus-savings route on the same assumptions.

Reviewed 2026-09-09