| PRESCHOOL | Policy holders idly leave the kindergarten (9) |
| POORCHILD | Yes, left abandoned struggling policy holders like Tiny Tim (4,5) |
| INSURED | Policy-holders, collectively |
| LIFEASSURANCE | Provider of money when policy holder dies (4,9) |
| EXCESS | Part of an insurance claim to be paid by the policy holder; or, another word for a glut of something (6) |
| COPAY | Amount owed by an insurance policy holder |
| NURSERYSCHOOL | The garden is a place of learning at the kindergarten (7,6) |
| VERYSMALLPUPILS | The kindergarten teacher had... |
| FROBEL | Friedrich ___, German educator who opened the Kindergarten institute in 1840 (6) |
| FIRSTCLASS | Top grade, or the kindergarten? |
| TATTLE | Go straight to the kindergarten authorities |
| TENSE | In the kindergarten seeming far from relaxed (5) |
| MONTESSORI | Room insets found in the kindergarten type (10) |
| SOUP | Every day, the kindergarten reading teacher ate alphabet ___ for lunch |
| GYLLENHAAL | Maggie, star of 2018 film drama The Kindergarten Teacher - see picture B (10) |
| TENSION | In the kindergartens I once encountered stress (7) |
| TAKETURNS | What the slalom skier learned to do in kindergarten? |
| TWINKLING | Identical kindergarten with fish glittering (9) |
| PLAYGROUP | School before kindergarten |
| INDIANINK | Find Ian in kindergarten, hiding writing material (6,3) |
