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USBA First Steps Group Whole Life Insurance Plan Family Photo

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30-Day Unconditional Promise:
Upon approval of your Application, you’ll be issued a Certificate of Insurance. If you are not completely satisfied with the provisions of your Certificate, you can return it within 30 days, without claim, for a prompt, full refund. Important Plan Information

USBA First Steps℠ Group Whole Life

Adult sized protection … Child sized premiums! The best time to start life insurance for your child is when they are young and in good health. Beginning a life insurance program today helps protect your child’s ability to be covered by life insurance in the future. No matter what age they turn, what occupation they choose, or whatever health conditions occur, their coverage cannot be cancelled as long as the premiums are paid when due.

Now, while your child is still young, is the best time to start him or her on the road to financial peace of mind. Securing life insurance for your children now not only ensures “permanent” life insurance protection, it also accumulates cash value. Should the insured child need cash later in the life, the owner may borrow against the coverage or surrender the insurance to collect the cash value that has accumulated. We urge you to apply for USBA’s First Steps℠ coverage today to lock in our lowest possible premium for your child. Please review the information below for complete plan details. Lifetime protection and greater peace of mind at budget-friendly guaranteed rates. Definitely one of the wisest decisions you could make for your child!


Application Download
Download the First
Steps Application Here:

Arrow First Steps Application

Life Long Protection – Once issued, USBA’s First Steps℠ coverage is guaranteed renewable for your child’s lifetime … the only way coverage can be terminated is if the premiums are not paid when due.

Coverage can be rescinded in the first two years if a material misstatement regarding your child’s health is made in the application for coverage.

Eligibility – USBA members currently insured under the USBA Group Life Insurance Program may apply for this Group Whole Life coverage for their unmarried children (including adopted, foster and/or stepchildren) age 1 year through 17 years. Adopted/foster/stepchildren must be dependent on the member for over 50% of their support. If both parents are insured under USBA, only one parent may request coverage.

Coverage Amounts – This Whole Life Insurance protection is available from $5,000 to $25,000 in $1,000 increments. Note: There is an aggregate maximum per child of $25,000 of Life Insurance under all USBA Group Life Plans. $25,000 aggregate maximum includes all child coverage under Group Policy G-5393- and G-5393-2.

Builds Financial Security – Your child’s First Steps℠ coverage builds cash value that can be used to provide paid up coverage for your child in the future. Or it can be accessed through loans from the policy. See the rate table for cash value information.

Limitations – In the future, if your child applies for additional coverage as a USBA Member or Associate Member, and their death results from hostilities in an “Area of Armed Conflict,” the aggregate maximum benefit payable under all USBA Group Life Plans will be limited to $100,000. (This limitation does not apply to an insured child who is on active military duty, including the National Guard & Reserve; death due to accident or illness; or any coverage amount in force with USBA prior to 1/1/07.) Please contact USBA for a listing of the geographic areas currently designated as an “Area of Armed Conflict.” See Certificate of Insurance for further details.)

Individual Certificate – These pages outline the principle provisions of the USBA Group Traditional Whole Life Child’s Plan. Complete details are in the Group Policy G-10648-1 (Policy Form GMR) issued to USBA by New York Life. Each Member will be provided with a Certificate of Insurance for each child insured under the Plan. This Certificate will be issued to the Member as Owner of the coverage. Ownership may be transferred to the child at his/her attainment of age 18.

Effective Date of Coverage – All coverage is subject to underwriting approval by New York Life. Approval will be based upon the answers to the brief medical questions on the application. Approved coverage will take effect on the approval date specified by New York Life, provided the premium has been paid. Your child must not be hospital-confined on the date of approval. Payment of premium does not mean coverage is in force before the effective date specified by New York Life.

The Company Behind the Plan – This plan is underwritten by New York Life Insurance Company … one of the oldest and largest life insurance companies in America.

Rate Tables    
USBA First Steps Group Whole Life Insurance Rate Table

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