Life insurance for a child with DS?

Banner and Principal both offer child riders with no medical questions. Get mom or dad a term policy long enough to reach the child's 25th birthday then convert it.

Run the numbers first. Will a fixed premium now actually be less cost once the person reaches conversion age?

I've always wondered how many conversions that should have taken place actually did? Sure thing vs. a future "should/could" is such a risk. Read your client carefully.
 
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