In thread 6, someone broached the idea of life insurance for Lonzie. I work in insurance operations and have for over 11 years, with emphasis on life and health insurance, plus claims and compliance. One person mentioned they didn't think insurance was likely. I'm also inclined to agree. It isn't hugely lucrative, either, though I recognize that very few people can or would turn their nose up at $5 or $10K in cash.
In general terms, if a child is covered under his/her parent(s) life insurance policy, it is a "child rider." These riders top out at $10k per child and cover all the insured's legal children until age 25 or the primary insured person's age 65, whichever comes first. It's rare, but not unheard of, for kids to have policies issued in their own name. This was far more common in the 50s - 80s, when "juvenile" policies were sold. A parent or grandparent bought them, the child became the owner at age 18 or 21, and could keep it (convert) or cash it in. You'll sometimes see versions of that now, like with the direct mail Gerber (the baby food people) insurance product.
Today, a child under age 18 would likely not have an individually underwritten policy unless their parents were high net worth individuals, or the child themselves participated in a dangerous sport or pastime. Even then, with dangerous avocations, that's a specialty type of risk insurance that you're not going to waltz in and get from your local State Farm or Met Life (neither of which employs me).
Nothing brings out the real ugliness in people like death does.
