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.
For the Northern Hemisphere, the fall equinox is the moment when summer ends and fall (autumn) begins, while for the Southern Hemisphere it is the moment when winter ends and spring begins. In the Northern Hemisphere the fall equinox occurs every year on September 22 or 23. Very occasionally it can also fall on September 21 or 24. The dates given on this page are based on Coordinated Universal Time (UTC), which for practical purposes is equivalent to Greenwich Mean Time (GMT).