After marriage, is it better to get individual policies for each family member or spouse and child riders?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Spouse and child riders are an easy, affordable way to create a family policy that requires only one premium payment per period. But individual policies on your spouse and children can afford them other important benefits like cash value growth and permanently low premiums. While some riders may be convertible when a child reaches a certain age, they may not offer as high a death benefit or as low a premium as a policy purchased for the child. It is important to consider your current budget, future financial needs and overall financial goals when deciding which route to take to insure your family.

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