Many years ago I bought my Grandson a Life Insurance policy with Globe Life Insurance with a value of $25,000. I paid $1,00 for the first month and now pay $12.35 a month. This policy cannot be cancelled and at age 18 Jason can use the money for college or leave it there and continue the premiums. He, no matter what health issues he may have can not be cancelled and this childs policy can be converted to whole life as he matures. So he'll always have insurance or college money. I believe Gerber has the same kind of policy. Its a wonderful thing to do for your grandkids and even your own young children.