You may want to consider a low value guaranteed issue life insurance policy like Gerber or Globe Life Insurance for children offers. Guaranteed issue individual life insurance will insure almost anyone who comes along, with no medical examination, and few or no medical questions. These guaranteed life insurance policies should not be confused with "simplified issue" or "quick issue" individual life insurance, which do ask some medical questions but also will not require an examination. Make sure you do the math to figure out how much you might have to pay out for the guaranteed issue life insurance policy over a period of 5, 10 or 15 years. Cumulative premiums paid over the long term may exceed the face amount of the life insurance policy. So, over time you may pay more premiums than the amount of life insurance that may be paid out in case of death of the insured person. In addition, guaranteed issue life insurance policies always have "graded benefits" ...
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