Oh, the possibilities . . .

Your child is young now, but won’t always be. Who knows what amazing future is in store for him or her?

Children’s Whole Life insurance from United of Omaha Life Insurance Company (United of Omaha) can grow at key points throughout the years – to meet your child’s future need for coverage. It can grow in spite of how their health may change or the type of occupation they choose.

Children’s Whole Life Insurance

  • Covers children age 14 days to 17 years
  • Choose coverage from $5,000 - $50,000
  • We make it easy to apply. Only 2 health questions
or call to apply 800-546-5946

In addition to protecting your child’s ability to be insured, Children’s Whole Life offers:

  • simplified life insurance coverage that’s easy to apply for
  • low rates that are locked in for life – they never increase
  • life insurance that covers costs associated with unexpected loss
  • up to $50,000 in whole life insurance – that can grow to $300,000 in guaranteed coverage later in life
  • send no money right now

We Have Your Children Covered

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

You can choose a benefit amount and premium payment that fits your needs and budget.

Lock in low rates

Now, while they’re young and qualify for children’s rates, is a good time to purchase. And the premium never increases.

Guarantee the right to increase coverage

As your child 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.

Cover all your eligible children

Children’s Whole Life is available for your children, or grandchildren, from 14 days old to 17 years.

Build cash value

The policy builds cash value over time that your child can borrow from in the future. Cash withdrawals will reduce the death benefit.

Ready to take the next step?

Lifelong coverage at affordable rates. Get a no obligation quote and apply now. It’s simple, secure and easy.

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

About Our Company

At Mutual, it always has been and always will be about the customer. In 2021, we paid out over $6.4 billion in benefits and had almost 6.3 million policies in force. From our humble beginnings to today, customers are at the center of everything we do.

As a mutual company we answer to you, our customer. Not Wall Street and not outside shareholders. Your peace of mind is our priority.

Click here to learn more about us.

Here's another product that may interest you.

Whole Life Insurance

Guaranteed coverage for a permanent life insurance need.

Learn More About Whole Life Insurance