Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In a "jumping juvenile" life insurance policy, the face amount:
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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 whose face amount automatically jumps to a higher amount, commonly doubling, at a specified age such as 21, without requiring a medical exam or evidence of insurability. This lets a parent lock in coverage for the child at an early age and a low premium, with the premium based on the child's original age. The increase occurs automatically under the policy's terms and gives the young adult an affordable head start on permanent coverage.
Why the other options are wrong
- B) The benefit increases, not decreases, as the child grows into adulthood.
- C) The policy pays its death benefit at any age; the jump is a coverage increase, not the only trigger for payment.
- D) The premium generally does not increase each year; original-age pricing is a feature of the contract.
Memory hook
Jumping juvenile: face amount jumps up around age 21, no medical exam needed.