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The arrival of a new family member can be an exciting, and stressful, time for everyone. Between recovering from the hospital, adjusting to a new sleep schedule, and learning your infant's wants and needs, things can feel overwhelming. However, this early period can be an ideal time to start thinking about life insurance for your newborn. Baby life insurance can help protect your infant in case of an emergency and provide them with valuable benefits in the future. Infant insurance can be different from standard adult life insurance, so understanding the pros, cons, and differences in policy types is key to starting your child off on the right foot.
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Life insurance for babies helps provide the policyholder with a financial benefit in the event of your child's death. This means if your child passes away unexpectedly, you’ll receive a cash payment to help cover end-of-life costs. Unlike traditional adult life insurance policies, the policyholder is also the beneficiary.1
Most children are eligible for some form of life insurance, and coverage may begin soon after they're born. When a child reaches adulthood, they can take ownership of the coverage or receive the policy's cash value.
Children as young as 14 days old can be eligible for life insurance.1 However, children can also be insured when they’re older as long as they meet the policy’s requirements.
While infant life insurance’s main purpose is helping to provide a financial payment in a worst-case scenario, there are many other reasons parents might consider opening a policy.
Whole life insurance builds cash value over the years. When a child turns 18, that money can become available to help pay for college, move into an apartment, or other costs as they move into adulthood.
Adult life insurance policies may have restrictions based on pre-existing conditions or lifestyles that may make it difficult to obtain a policy. However, if an adult has had a policy since childhood, they are still eligible for coverage even if they have a medical issue or a job that might otherwise make them ineligible.
Because babies can get life insurance at a young age, you can lock in coverage before they develop any conditions that might make them ineligible.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedFor $50,000 of whole life coverage, the average monthly cost for an infant's life insurance is $27.1 This amount can vary depending on the coverage you need, the baby's age, and other factors.
Term baby life insurance, which covers your child for a specific period rather than in perpetuity, may be a more budget-friendly option. However, term life insurance provides a payout only upon death and does not offer the financial benefits of whole life insurance.
Life insurance for babies is generally just one component of setting up your family’s financial future. Some other resources might include:
With so many decisions to make when a new child arrives, picking insurance doesn’t have to be difficult. Aflac’s flexible supplemental insurance options can help support your family as it continues to grow. That means financial confidence that can help support your long-term goals. Get a quote today and protect what matters most.
Get Started
Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
Life insurance costs vary based on many factors. Learn how much life insurance is on average and what affects the cost to decide on a life insurance plan.
Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
Life insurance costs vary based on many factors. Learn how much life insurance is on average and what affects the cost to decide on a life insurance plan.
1 Forbes - Should You Buy Life Insurance for Children? Updated Sep 23, 2025. https://www.forbes.com/advisor/life-insurance/life-insurance-for-children/. Accessed Jan 30, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own adv isers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000/Term Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies ICC18B60200, ICC18B60300, & ICC18B60400. Whole Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies: ICC18B60C10, ICC18B60100. B60000 series note available in Delaware, Idaho, New York and Oregon. B61000, Juvenile series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO & B61JTO. B61000 series not available in New York. Q60000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania & Texas, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Whole Life: In Arkansas, Delaware & Oregon Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Q60000 series is not available in New York and Virginia.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Not available in New York.
Coverage/plan levels may not be available in all states, including but not limited to NM or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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