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Grow-Up® is whole life insurance protection for your child that provides: Coverage amounts that fit your budget, $5,000 to $50,000 - with many premiums as little as pennies a day. Low premiums never go up - the premium you start the policy with is the premium you will always have - guaranteed! Guaranteed future insurability - regardless of your child's future health condition or occupation. Reliable cash value that grows and can be borrowed against if needed - as long as premiums are paid.