单项选择题

Child Life Insurance
Who Can Benefit
If your child is a six-figure-earning Hollywood star or an heir(ess) (继承人) that is set to inherit (继承) a large house, then a child insurance policy should be the first thing for your consideration: Purchasing an appropriate insurance policy (such as a whole life policy) will protect your child and also have some cash value set aside for future use.
If you are worried that your child will be threatened by a medical or underlying (潜在的 ) genetic condition in the future, then getting a child life insurance policy now may also be a good solution. Some policies will guarantee future insurability (可保性) when the kids grow into adulthood, even if they are unable to get normal life insurance due to health- related problems. While any parent hates to think of something happening to their kids, taking care of business before disaster strikes is sometimes necessary. Policy Types
There are many individual insurance policies on children available on the market. A standard child life policy will cover your child at a younger age (this age normally varies from one insurer to another). The premium (保险费) can be paid in a single lump sum (一 次性支付) or in installments (分期付款). Some insurance companies sell child life insurance policies in units, where the cost of a unit amounts to $5,000. Some child policies also offer serious illness coverage, which provides financial compensation if your child becomes terminally ill.
In what condition will financial compensation be given to parents