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Juvenile life insurance still exists; the most common type is whole life insurance, with a “cash value” that can function as a money reserve or savings. It may seem silly to imagine a life policy out there somewhere that names you as the beneficiary, even though you have no idea about it. But here's a surprising statistic: as of 2013, there is more than $1 billion in unclaimed payouts in the United States. How hard do they try? Not very hard. Between the Great Depression and the Baby Boom, “juvenile life insurance” was marketed heavily to parents for the first time. Parents would frequently purchase life policies for their children as a sort of a beginner savings plan Term Life Insurance Quotes .Since juvenile insurance was often part of an insurance deal purchased through an employer or bundled with a home and/or auto policy, the buyer may not even remember it.Life Insurance companies are required by law to try to find beneficiaries of their policies.