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?
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
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.
January 3, 2025
Looking to try some new recipes this winter?
January 3, 2025
We've found some tips to keep up your sleeve this winter.
January 3, 2025
The Defined Benefit Annuity from GBU Life can help you to create a plan for a guaranteed income in retirement by making regular contributions based on your retirement income targets.
January 3, 2025
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.
January 3, 2025
How well do you know the characters from the hit TV series The Office? Watch your reruns and get ready to test your skills in our winter trivia contest!
January 2, 2025
Did you know you can use your RMD to purchase financial products that can help to secure the future for you, your loved ones or a charitable organization that you care about?
December 6, 2024
Traveling can be one of life’s greatest joys. However, packing smart can make or break your experience. With so many gadgets and accessories out there, figuring out what’s truly useful can be overwhelming. To help you streamline your packing list, here’s a guide to the most useful travel items that will enhance your adventures. 1. The All-Purpose Carry-On Bag A durable, well-organized carry-on bag is essential. Look for one with: Compartments: separate sections for clothes, electronics and toiletries Durability: waterproof or water-resistant materials for unexpected weather Mobility: wheels and an adjustable handle for easy transport This is a must-have item because it saves you from waiting at baggage claims and prevents lost luggage during flights. 2. Travel-Friendly Toiletry Kit Opt for a compact, TSA-approved toiletry kit with refillable travel-size bottles. Bonus points if it comes with a hook for easy hanging in small hotel bathrooms. Tip: keep a separate mini toiletry bag in your carry-on with essentials like toothpaste, face wipes, and lip balm to freshen up during long journeys. 3. Portable Charger and Universal Adapter Staying connected is crucial for navigation, translating apps and emergency calls. A reliable power bank ensures your devices stay charged, especially during long flights or train rides. Pair it with a universal adapter to charge your gadgets no matter the country you’re visiting. 4. Packing Cubes Packing cubes help you stay organized by categorizing your clothes and accessories. They also maximize space in your luggage. 5. Travel Insurance and Document Organizer Keep all your travel documents—passport, visas, insurance and itinerary—in a waterproof organizer. This can be as simple as a resealable sandwich bag. 6. Reusable Water Bottle Remember to stay hydrated! Plus, a water bottle with a built-in filter ensures you have safe drinking water even in remote areas. 7. Noise-Canceling Headphones Whether you’re on a noisy plane or staying in a bustling city, noise-canceling headphones can be a lifesaver. Invest in lightweight, wireless options for added comfort. 8. Eye Mask For long-haul flights or train rides, a comfortable eye mask can help you get some rest. 9. Compact First Aid Kit Accidents and illnesses can happen anytime. A small first aid kit stocked with band-aids, pain relievers, antiseptic wipes and any personal medications is a must. Tip: add items like motion sickness tablets and electrolyte packs for extra preparedness. 10. Multi-Function Travel Jacket Look for jackets with built-in storage—many designs come with hidden pockets for passports, phones, and even water bottles! These jackets are perfect for streamlining your essentials. Tip: if you’re going somewhere with a cold climate, consider bringing a large scarf that can also double as a blanket or wrap. 11. Daypack or Sling Bag A small, secure bag for day trips is essential. Choose one with anti-theft features like lockable zippers or RFID-blocking technology to protect your valuables. 12. Versatile Footwear Depending on your itinerary, pack a pair of lightweight walking shoes, sandals and waterproof boots. Opt for neutral colors and comfortable designs to match various outfits. Packing the right items makes your journey smoother and more enjoyable. Start with these essentials, and tailor them to your destination and travel style. Remember, the key to efficient packing is quality over quantity. Remember to focus on versatile, durable and practical items that suit your needs!
Two people exchanging gifts
December 5, 2024
To help you shine at your next workplace white elephant party, here’s a list of affordable and useful gift ideas.
Cooking at the stove
December 2, 2024
These four cozy recipes can warm up even the coldest days. Enjoy a steaming bowl of ramen, chipotle chili and more.
November 20, 2024
Winter is a perfect time to bond with family and create cozy, memorable moments. From fun games to creative crafts, here are some top indoor activities to bring everyone together.
More Posts
Share by: