Lock in the lowest rate of their life and guarantee future insurability — no matter what.
A children’s whole life policy locks in coverage at the lowest rate they’ll ever have, and guarantees they can keep and grow that coverage as adults — even if they later develop health conditions that would make insurance expensive or impossible to get.
It also builds cash value over time that can help with college, a first car, or a down payment.
Parents and grandparents who want to give a child a lifelong financial head start and guaranteed insurability.
Apply in minutes. Coverage begins after approval and first payment.
Get a quote and apply with a licensed agent in one quick call.
Free, no-pressure virtual appointment on your schedule.
Request a free info kit and apply from home, at your own pace.
Yes — that’s the point. The policy stays with them for life and many can increase coverage later with no new health questions.
Many of our plans use a simple yes/no health application with no medical exam. Some coverage amounts may require additional questions, and a licensed agent will tell you exactly what applies to you.
Once your application is approved and your first payment is made, coverage can begin right away. A licensed agent walks you through every step.
Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.
A licensed agent will reach out shortly. Want to grab a time now? Meet Justin →