Protection That Can Grow With Your Child or Grandchild

Protection That Can Grow With Your Child or Grandchild

Peace of mind that can last a lifetime

Children’s Whole Life insurance from United of Omaha Life Insurance Company (United of Omaha) is a type of life insurance coverage designed for children 14 days old to age 17. Benefits will last their entire life as long as premiums are paid.

Premiums are guaranteed to stay the same. Plus, coverage has the potential to grow, ensuring the child in your life’s future needs are met, regardless of any changes in their health or career choices.

Why Children’s Whole Life Insurance?

  • Choose the right benefit amount for you – from $5,000 to $50,000

    You can select a benefit amount that meets your specific needs. Additionally, you have the flexibility to choose a premium payment that aligns with your budget.

  • Guarantee the right to increase coverage

    As the child in your life ages into adulthood, we guarantee the opportunity to convert this coverage into a Whole Life Guaranteed policy, with up to $300,000 in coverage, regardless of health or occupation.

  • Build cash value

    The policy builds cash value over time, which can be borrowed against in the future. The longer you hold the policy, the greater the cash value becomes. These funds can be used for emergencies or significant purchases when needed.

  • Lock in low rates

    As people get older, life insurance rates increase. Purchasing a policy while the child in your life is young allows them to qualify for children's rates. Plus, the premiums are locked in for life and will never increase.

  • Cover all your eligible children or grandchildren

    Coverage is available for your children or grandchildren from 14 days old up to 17 years of age. This policy provides lifelong protection tailored specifically for the young ones in your family.

Give the gift of lifelong coverage

Apply now while rates are low!

It’s simple, secure and easy. Only two health questions. 

Most Popular Rate Amounts

Benefit Amounts
0-4 years
5-9 years
10-14 years
15-17 years
$10,000
$4.61
$5.43
$6.15
 $7.75
$15,000 
$6.41 
$7.65 
$8.73 
$11.13 
$20,000 
$8.22 
$9.87 
$11.30 
$14.50 
$25,000 
$10.02 
$12.08 
$13.88 
$17.88 
$30,000 
$11.83 
$14.30 
$16.45 
$21.25 
$35,000 
$13.63 
$16.52 
$19.03 
$24.63 
$40,000 
$15.43 
$18.73 
$21.60 
$28.00 
$45,000 
$17.24 
$20.95 
$24.18 
$31.38 
$50,000 
$19.04 
$23.17 
$26.75 
$34.75 

Note: These are monthly premiums

Read more about Children’s Whole Life Insurance

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Help secure your child or grandchild’s future

Get a free, no-obligation quote. Apply today and start planning for tomorrow.

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