Instead, you can leave the money for the child's benefit to a reliable adult; set up a trust to benefit the child and name the trust as the beneficiary of the policy; or name an adult custodian for the life insurance proceeds under the Uniform Transfers to Minor Act. Consult an estate attorney to decide the best course.
The time when fall starts is between summer and winter. As with the other seasons, its commencement differs and is based on the hemisphere you are in. In astronomical terms the season begins on September 22 up to November 22 in the Northern Hemisphere.
On Monday, Sept. 22, the Earth will have nearly equal amounts of light and darkness, as summer ends and a new fall season begins. Depending where you live, the changing colors of leaves or a sudden briskness in the air may have made it seem like the seasons had already shifted, but the equinox on Monday signals the official start of autumn.