mickey2942
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I don't have MSM link to confirm if life insurance true specifically for Chloe but I do know that the most common way for a toddler to end up with a $600K life insurance is by an employee benefit from one of the parents.
This was true in the case of Chris Watts children each having large life insurance payouts. It happens when the employee opts to designate a percentage of the employee's own corporate life benefit towards the lives of their spouse and dependents. In other words, it was not a policy intentionally purchased/underwritten for a toddler.
That makes sense. Chloe's father is a police officer, and belongs to a LEO union. Policy is written for comprehensive coverage in case of death. The intent is to cover the family in case the policy holder dies, but also includes everyone in the family.