Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A jumping juvenile life insurance policy is designed so that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A jumping juvenile policy is whole life insurance on a child with a face amount that 'jumps' to a predetermined adult amount — usually at age 18 or 21 — with no new evidence of insurability required. Premiums are based on the child's young age, so locking in early is inexpensive, and the child is guaranteed the higher adult coverage regardless of any future health problems. The policy is permanent and continues after the jump.
Why the other options are wrong
- B) Premiums are level and were set at the child's young issue age; they do not jump annually as the child ages.
- C) The benefit increases at the jump age; it never decreases as the child grows older.
- D) Coverage does not end at 21 — the face amount jumps to the adult level and the permanent policy continues.
Memory hook
Jumping juvenile = the policy grows up with the child. Coverage leaps at 18 or 21; the price was locked in childhood.