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.
Practical Tips to Organize For Your Well-Being
Rest as a Form of Productivity
Each year, we set aside time to deep clean and organize our homes. But when was the last time you set aside time to organize your finances? We sat down with GBU Life Home Office agents Leah Teahl and Dominic Nicciai to learn about the benefits of an annual financial review and how you can get started.
Every child can name a teacher who made a difference: the one who stayed late to help, offered encouragement at just the right moment or made learning feel exciting. Recognizing a teacher’s dedication doesn’t require grand gestures, but it does call for intention. Thoughtful appreciation gifts, especially during Teacher Appreciation Week or year-end celebrations, offer a tangible way to express heartfelt gratitude.
Board Election GBU Financial Life’s national bylaws allow adult insured members (as defined in Article VI, Section 1 of the bylaws) the right to vote for the organization’s Board of Directors. Ballots will be mailed at the beginning of August 2026 to all eligible members. Eligible members may vote by paper ballot via mail or electronic ballot online once they receive their ballot. Cumulative voting or voting by proxy is not permitted.
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