Many people buy education or insurance plans for their children, but most are not aware of a special clause in the policy called “Juvenile Lien”. It normally goes like this:
If the Life Assured sustains Total & Permanent Disability or is diagnosed with Critical Illness before 1st Birthday, 25% of the Sum Assured is used to calculate the amount of benefit payable. After such payment, the Policy terminates.
Though this has become more and more obsolete but you may still want to take note.