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While choosing a policy rider, there are several factors that you have to consider. The first one being that the rider will look after and provide term life insurance coverage for your kid. These riders mostly offer assured insurability up to a specific age, generally 21-25. <br> <br> <br>Stand Alone Term Renewable Coverage <br>As the name suggests, the Stand-Alone Term Renewable Policy belongs exclusively to your child that can be renewed at fixed intervals without endowing any extra medical evidence. You can convert such policies into permanent or whole life plans before they expire. <br> <br> <br>Insurance for life (Whole life or Universal life) <br>Whole Life Insurance is the most common type of child insurance. 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