Youth 3 Pay Life Insurance
January 3, 2025
Kick-start your child’s journey to financial success with a whole life policy from GBU Life. GBU’s Youth 3 Pay Life Insurance is permanent life insurance that offers a lifetime of coverage with just three annual payments.
Why Whole Life Insurance?
Why Whole Life Insurance?
Cash Value Growth.
Whole life insurance policies accumulate cash value over time. This cash value can be borrowed against (with interest) or used to help secure education loans, home down payments or during emergencies. Loans have no fees or penalties.
Dividends.
Whole life policies may also earn dividends. These can be used to purchase additional coverage or paid out in cash.
Coverage for Life.
Whole life insurance is permanent life insurance. Youth 3 Pay Whole Life gives your child lifetime coverage at a competitive rate.
Member Benefits That Grow with Your Child
Member Benefits That Grow with Your Child
With the purchase of a whole life policy, your child becomes a lifetime member of GBU. With that membership comes a suite of member benefits that range from college assistance to special interest groups.
- Outstanding scholarship and grant opportunities.
- Volunteer programs.
- Exclusive access to educational programs and social events.
- Language learning reimbursement.
Product Highlights
- Face values range from $5,000 to $50,000 for youth ages 0-17.
- Policy is fully paid in three annual payments.
- Optional riders are available.
- Guaranteed Purchase Option Rider: allows periodic purchase of additional coverage, regardless of health, until age 40.
- Accidental Death Benefit Rider: pays an additional benefit in the case of a covered accidental death.
GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), Pittsburgh, PA. Policy will mature when insured reaches age 121.
Dividend payments are not guaranteed as the assumptions on which they are based are subject to change. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Policy and features are subject to approval and may not be available in all states. Please see policy and rider coverage for complete
details.
GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Contract Form Series: ICC19-Y3Pay, FL20-Y3Pay, Gen-Y3Pay, ICC19-Mem3Pay, FL20-Mem3Pay, Gen-Mem3Pay.

As we move into the second quarter of another exciting year, I want to take a moment to reflect on our accomplishments and share some of the new initiatives we are implementing in the realms of sales, marketing and community engagement. Over the past year, GBU Life has reached significant milestones thanks to the dedication and hard work of our team and the trust and support of our members. Our sales department has exceeded targets, and we have expanded our reach to more communities than ever before. We have launched several successful marketing campaigns that have not only increased our visibility but have also strengthened our brand's presence in the industry. For this year, our focus will be educating potential new members on the importance of securing their financial futures through life insurance and annuity products while serving their communities as part of our great Society. Looking ahead, we are committed to enhancing our sales strategies to better serve you. We are introducing some tools for our agents to enhance our products. One new tool is our Defined Benefit Annuity program which combines the Future Flex Fixed Index Annuity (FIA) with a software tool that can help determine retirement savings needs and break them down into contributions over time to help you meet your retirement goals. Be sure to keep in touch with your GBU agent to review your plans and products to see how adding an FIA to your retirement planning can help boost your savings efforts

GBU members between the ages of three and nine years old can enter their colored page in this year's contest, which is themed Pawprints on My Heart. Three age categories will be judged as follows: Category I: Ages three and four Category II: Ages five and six Category III: Ages seven, eight and nine Entrants may use crayons, colored pencils, markers or watercolor paints. Entries will be accepted through Monday, August 18, 2025, at 11:59 p.m. EST. The picture on the next page can be reproduced, or copies can be obtained by calling the Community Engagement Team at the GBU Home Office (800-765-4428) or by printing the image above. Cash Prizes for Each Category First prize: $75 Second prize: $50 Third prize: $30 How to Enter Send the three- to nine-year-old GBU member's coloring contest entry with their name and address on the colored page to: GBU Life ATTN: Member Benefits 4254 Saw Mill Run Boulevard Pittsburgh, PA 15227-3394. Or email contest@gbu.org with "Coloring Contest Entry” as the subject line. General Information Judges reserve the right to accept or reject any or all entries. Their decisions will be final. Artwork will be handled at the GBU Home Office with the utmost care. GBU reserves the right to reproduce entries for whatever use it wishes, provided proper credit is given. Permission does not include the sale of such work.

Graduating from college is an exciting milestone, but it’s also the perfect time to focus on your financial future. Building on the foundation you’ve already laid the groundwork for with smart money choices will set you up for long-term success. Here are a few key financial products to consider as you take the next step.