Children's Plan
Enquire Here
Want to know more? Fill in the form and our Children’s Plan Advisor from Focus will be in touch.
Children's Plan In Focus
Secure Your Child’s Future — One Step at a Time
As parents, ensuring the best for your child is a top priority — from education and healthcare to financial independence. At Focus Finance Brokers, we help you build a secure financial future for your child with our comprehensive Children’s Insurance Plans. These plans are tailored to grow your wealth while protecting your child’s future against life’s uncertainties.
A Children’s Plan is a long-term savings and protection plan designed to meet the future financial needs of your child. It combines life insurance and investment benefits, ensuring that your child’s dreams are not compromised — even in your absence.
These plans help you build a fund over time to cover:
- Higher education expenses
- Wedding costs
- Medical or emergency needs
- Financial security in case of the parent’s untimely demise
Key Benefits of a Children’s Plan
Financial Planning for Milestones
Start investing early and accumulate a corpus that matures when your child needs it the most.
Life Cover for Parents
In the unfortunate event of the parent’s demise, the policy continues or pays out as per terms, ensuring financial continuity.
Flexible Payout Options
Choose lump-sum payments or staggered payouts aligned with your child’s academic or career goals.
Waiver of Premium Option
If the insured parent passes away, future premiums are waived, but the policy benefits continue.
Investment Growth
Gain from market-linked returns with Unit Linked Insurance Plans (ULIPs) or opt for guaranteed return plans based on your risk appetite.
Who Should Consider a Children’s Plan?
- New parents who want to start early savings
- Parents of school-going children planning for higher education abroad
- Guardians looking for a secure and long-term investment
- Families seeking both life cover and savings in a single policy
Our Children's Plan Providers
FAQ'S
Why do I need a Children’s Plan?
Rising education and living costs make it important to plan early. A Children’s Plan helps you build a dedicated fund over time, while also offering life cover that ensures your child’s goals are protected if something happens to you.
Who is the insured in a Children’s Plan — the parent or the child?
Usually, the parent or guardian is the life assured (insured), while the child is the beneficiary. In case of the parent’s death, the plan continues (if waiver of premium is included), or a lump sum is paid to support the child.
What are the benefits of investing in a Children’s Plan?
- Financial support for your child’s future
- Life insurance coverage for the parent
- Waiver of premium in case of the parent’s death
- Potential for investment growth
- Tax benefits (as per UAE or home country laws)
Is there a minimum and maximum age to start a Children’s Plan?
Yes. Parents can usually start a plan when their child is a few months old, up to 15–18 years of age. The parent’s age and health may also affect eligibility.
Can I add additional protection like critical illness or accident cover?
Absolutely. Many Children’s Plans offer riders/add-ons for critical illness, accidental death, or disability benefits for enhanced protection.
How is this different from a regular savings plan?
A Children’s Plan is focused on securing your child’s future, offers life cover, and often includes premium waivers — making it more goal-specific and protective than generic savings plans.
Get a free quote online to learn more about our Childen's Plan options.