Every parent wants to give their child a strong start in life. At Putano Agency, we help families do just that with child life insurance that lasts a lifetime, builds financial value, and offers protection no matter what the future holds. Whether you're planning ahead in Kauai, Hawaii, exploring your options in San Martin, CA, or searching for child life insurance providers in Washington, you're in the right place. We’re here to make the process easy and meaningful—without pressure, without confusion.
Child life insurance is a whole life insurance policy taken out by a parent or guardian while the child is still a minor. You own the policy until your child is between 18 and 25, at which point ownership can be easily transferred to them.
This isn’t just a safety net. It’s a long-term financial tool that grows with them. The policy stays in place for life, as long as premiums are paid, and it builds guaranteed cash value that they can access later for things like college, a first home, or life’s unexpected turns.
Here’s how it works:
Whole life coverage is different from term life, which only lasts a set number of years. With this plan, your child will never need to worry about reapplying or qualifying for coverage again, no matter their health or career.
Life has its surprises. Some of them are beautiful. Others are difficult. When you lock in child life insurance early, you’re taking one big uncertainty off the table.
Here’s what early coverage helps you secure:
Waiting can cost more in premiums. Acting now creates more time for value to build—and for your child to benefit.
When families ask us why they should consider child life insurance, we keep it simple: it’s about love, security, and smart planning.
Here’s what you gain
As affordable child life insurance providers in Kauai, Hawaii, and experienced child life insurance providers in Washington, we’ve seen firsthand how this small decision today can provide stability for decades to
Child life insurance isn’t for everyone, but it might be for you.It’s a smart step for families who want to prepare early and build long-term security for their child. Ask yourself:
If any of this sounds familiar, we’d love to talk it through with you.
At Putano Agency, we don’t just offer policies—we offer guidance. Jack Putano, a licensed financial professional, works directly with families to help them make informed decisions that feel right, not rushed. We focus on simplicity, transparency, and respect. You’ll never feel pressured or talked into something that doesn’t fit. Just real conversations and honest answers. As permanent life insurance providers for children in San Martin, CA, and trusted agents across Washington and Hawaii, we’re here to help you find clarity in a world full of fine print.
Besides protection, A child life insurance policy is about helping them step into adulthood with confidence and options. At Putano Agency, we’ll help you understand how this can fit into your family’s goals. Take this small, thoughtful step because their future is worth planning for. How to Get Started: Get a personalized quote Review your options with Jack Secure your policy and start building your child’s future
At Putano Agency, we are committed to making life insurance simple, accessible, and tailored to your unique needs. With our expertise, we serve families and individuals across California and Texas, offering customized coverage that ensures your loved ones are financially protected.
