Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A 'jumping juvenile' life insurance policy is best described as a policy 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 a permanent life insurance policy on a child that contains a provision automatically increasing the face amount at a designated age — commonly around age 21 — without any medical exam or evidence of insurability. This feature lets a parent lock in a modest amount of coverage now and increase protection later when the child is older, regardless of the child's health. The premium structure is set so the increased coverage is financed as scheduled, and the parent generally controls the policy until the child reaches the age of majority.
Why the other options are wrong
- B) Jumping juvenile policies do not require annual medical exams; the hallmark feature is an automatic increase with no new evidence of insurability.
- C) Coverage does not stop at 21; the face amount increases at that age and the permanent protection continues.
- D) There is no provision allowing the parent to unilaterally raise premiums each year; the premium schedule is fixed in the contract.
Memory hook
Coverage jumps at the milestone age — no exam, no questions.