---
title: "What Is Child Term Rider? Definition | Epic Life Glossary"
description: "A child term rider adds term life coverage on the insured's children under a parent's policy. Coverage is usually a small amount and covers all eligible..."
url: https://epicline.preview.multisites.ai/glossary/child-term-rider
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Riders

# Child Term Rider

A child term rider adds term life coverage on the insured's children under a parent's policy. Coverage is usually a small amount and covers all eligible children for one extra premium.

## Why it matters

The rider can pay funeral and related costs if a child dies. Many riders allow the child to convert to a separate permanent policy at adulthood without a medical exam, up to a stated amount. Coverage typically ends when the child reaches a set age, often 25. Amounts, ages, and conversion rules vary by carrier and state. Families should compare the rider with a separate children's policy, which can offer lifetime coverage.

Source: [naic.org](https://content.naic.org/consumer/life-insurance.htm)

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