I like the availability to buy insurance for children. I use to ignore mailers from Gerber and Globe until my first grandson was born. Doing so gives me an opportunity to be a part of their future and heaven forbid help with any finances in the event of death. I chose Gerber because of the cash value the would accumulate through to the age of 18. Two other advantages are the premiums remain the same and the coverage doubles. Has any one taken advantage of this product for their grandchildren?