GBU Youth 3 Pay Life insurance is underwritten by GBU Financial Life (GBU) using form ICC19-Y3PayAPP in CT, IL, IN, MD, MI, MN, MO, NJ, OH, PA, WV, WI and form FL20-Y3PayAPP in FL. Dividends are not guaranteed. 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.