life insurance, protection, risk management

The Risk To Your Child’s Future

Loss of a parent shatters the life of a child. Period.

Loss of a parent’s love.
Loss of a guide through life’s challenges.
Loss of protection and security.

These are losses that are beyond measure and replacement. But the truth is these losses can be worsened by the financial impact that comes from a lack of planning and losing a parent.

7 in 10 of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died. (1)

Even today, 41% of children live in low-income families, but many more are at risk. (2)
The National Center for Children in Poverty provides extensive research on subject of child poverty.

“Risks are greatest for children who experience poverty when they are young and/or experience deep and persistent poverty.”

“Factors such as poverty, poor nutrition, lack of preventive health care, substance abuse, maternal depression, and family violence put young children at risk. Children who experience several of these risk factors are often far behind their more advantaged peers from the start.”

Families that find themselves unprepared for the loss of a parent suffer most.

“A major determinant of outcomes for children, youth, and their families is their mental health. Low-income children, youth, and their families are disproportionately affected by mental health challenges, impairing the ability of children and youth to succeed in school and placing them at risk of involvement with child welfare and juvenile justice agencies.”

These are long term issues that your child will struggle with when you are gone. 75%-80% of Children are in need of mental health services but do not receive them.

“It is in the public interest to promote policies, services, and supports that can help change a negative development course to a positive one.”

But, in the current environment of budget cuts and cancelled social programs, a parent cannot rely on the government to provide a better life for their children. (3)

Life insurance is inexpensive protection. For a 35yr old woman, preferred health nonsmoker in Pennsylvania, the premium for a $500k benefit annual renewable term is less than $8 Per month. *

For pennies a day, you can shield your child from a life time of legacy costs your child would have to bear, for you NOT protecting your child.

You created a life, you love your child, you work and toil and sacrifice…
Do not fail them if your time on this earth comes to an end.

Please feel free to connect. I look forward to helping you make the most of your life’s journey. Email me at

Retirement Income. Tax Efficient Planning.
Life Insurance. Disability Insurance
Socially Responsible Investing

To learn more contact:
James Cox
Cell: 267 323 6936
PAS 150 South Warner Rd.  Suite 120 King of Prussia, PA 19406

The opinions expressed here are those of the author and not necessarily that of Guardian/Park Ave Securities.

*Illustration based on a hypothetical illustration dated 11/18/2021 for Yearly Renewable Term, $500,000 death benefit, woman age 35, preferred NT.

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Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 150 S. Warner Road, Suite 120, King of Prussia, PA 19406 (610)293-8300.  Securities products and advisory services offered through PAS, member FINRA, SIPC.  PAS is a wholly owned subsidiary of Guardian.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 

2021-128716 exp 11/23