However, most children under age 18 can get insured without any health exam needed.
In fact, several insurers, including Globe Life offer child life insurance plans with no medical exma required, just a few simple health questions asked.
Parents can even request a free quote and apply online in about 5-10 minutes for a policy on their children.
Plans for child life insurance start as low as just a few dollars per month for permanent life insurance protection. And, the plans build cash value inside the policy over time, from which a loan may be taken in the future.
Here's how to get child life insurance without a physical examination.