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@teey Everything you’re asking for is possible with permanent life insurance. However, the low premium should be looked at differently. If you are looking for meaningful growth you’ll want to assess how much you can contribute to a plan like this to benefit from the other features you mentioned...

@jhohua This is true I forgot to mention that. If parent is deemed uninsurable than the child can have insurance coverage, term coverage is an affordable way for a parent to meet that criteria

@sivires Since it is for her benefit, consider having her as the insured. Cost of insurance is lower on children and that will avoid the concerns about your current insurability. Instead of her getting a lumpsum upon your passing she would inherit ownership of the policy at that time or when you...