What is it?

Great Start® Insurance Plan is juvenile whole life insurance that grows with your child, helping provide a lifetime of protection. It is a modified premium whole life insurance policy that builds up cash value over time. It's an easy, affordable way to provide the peace of mind that comes from knowing you took this important step now, to help ensure financial security in the future.

How does it work?

The Great Start® Insurance Plan provides $10,000, $20,000, even up to $30,000 of whole life coverage. There's no waiting period and no medical exam. All you have to do is answer three simple health questions. This is a juvenile whole life insurance policy which accumulates cash values over time. Premiums are guaranteed never to increase up to age 25. At age 25, the premium changes once and will remain level for life. This policy also includes three guaranteed purchase options at age 31, 34 and 37 that make it possible to purchase additional insurance without evidence of insurability.

Why do I need it?

Everything is getting more expensive. And when it comes to life insurance, age, illness, even choice of occupation can make it almost impossible to get coverage. But with the Great Start® Insurance Plan, you can lock in a low rate now and make sure your child is insured for life, no matter what. You can secure a larger amount of insurance for a relatively modest annual premium – something that is much more difficult to do when they are adults.​ The policy is designed specifically for children. Great Start® policies are designed to help provide parents and grandparents with the means to give high levels of insurance protection to the children in their lives for just pennies a day.