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Children’s life insurance

A way to invest in your child’s future, safeguard your family’s finances and prepare for upcoming expenses—including college.
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Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
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What does children’s life insurance offer?
Providing life insurance for your children or grandchildren helps protect them from potential hardship and prepare them for the future.

Future insurability
Provide the child with the opportunity later in life to maintain (or increase) coverage, regardless of medical history and without providing evidence of insurability.4

Affordable rates
Pay low pemiums, due to the child’s age and health status at the time of purchase. For some contracts, rates can remain locked in through age 70.

Cash value
Provide the child with a resource that might help cover future expenses—such as college tuition or a home down payment. The contract purchaser may also be able to borrow from the cash value, tax-free.1

Death benefit
If the unthinkable occurs, it can help the child’s family pay medical bills or final expenses—and take time off from work as they cope with their loss.

A solution that provides unique
protection opportunities

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Lock in lowest available
rates at birth
Newborn children are generally eligible for the lowest underwriting rate available. And they can stay insured at that rate into adulthood.4
Icon of parents and a child with a heart above.
Secure protection any time before age 18
Buying children’s life insurance before age 18 may help provide security if the child becomes ill or ineligible for coverage later in life.
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Add more coverage later without underwriting
With a guaranteed purchase option (GPO), you can add more coverage (up to $1 million) later without additional underwriting.
Simple icon of a baby stroller
Lock in lowest available
rates at birth
Newborn children are generally eligible for the lowest underwriting rate available. And they can stay insured at that rate into adulthood.4
Icon of parents and a child with a heart above.
Secure protection any time before age 18
Buying children’s life insurance before age 18 may help provide security if the child becomes ill or ineligible for coverage later in life.
Icon of a blank shield
Add more coverage later without underwriting
With a guaranteed purchase option (GPO), you can add more coverage (up to $1 million) later without additional underwriting.
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Free learning tool
How much life insurance do you need?
Enter your current assets, expenses and income. You can also adjust the inflation rate and your expected rate of return to see how these variables could impact your insurance needs.
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Ellis Hope and his mom, Lori Hope.

A decision that ensures coverage can last a lifetime

When Thrivent client Lori Hope of Sioux Falls, South Dakota, bought children's life insurance for her son, Ellis, he was a typical teenager nearing his 16th birthday. Eight months later, Ellis was diagnosed with Hodgkin's lymphoma. At that point, the insurance contract took on new significance. Without it, Ellis may have found it hard to purchase life insurance in the future, due to his health history. But with the contract in place, Ellis—now 21 and cured of Hodgkin's—can maintain or increase coverage later in life (as long as premiums are paid), without having to provide evidence of insurability.
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Frequently asked questions

Learn more about how this solution can provide financial protection and other benefits during childhood—and beyond.
Are there different contract types available?
Yes, you can choose among three options: whole life insurance, universal life insurance and variable universal life insurance. Your Thrivent financial advisor can help you learn more about how these contract types differ from one another.
How much does children’s life insurance cost?
That depends. With multiple contract types and payment options available, you have flexibility to find the best fit for your budget. For example, for a whole life contract, monthly premiums start as low as $12/month—and that rate is guaranteed to remain the same until the child reaches age 70.2 If you prefer to pay off the contract earlier, you can choose a 10- or 20-year premium payment plan or a single-premium contract.
Are families with a history of health issues eligible?
People can secure permanent protection for children even if they’re born into a family with a history of health issues. As an example, let’s look at Luis and Jordan. They have a newborn baby named Willow. Diabetes runs in Luis’s family and he has relatives who were diagnosed before age 18. Luis and Jordan buy a whole life contract to cover Willow as she grows up. Because the contract offers a guaranteed purchase option (GPO), Luis and Jordan know they can later buy up to $1 million of additional life insurance coverage. That would add some cost—but Willow wouldn’t need to be approved through an underwriting process.3
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Let’s find coverage that fits your family
Personalized financial guidance requires a personal connection. We can help.
Connect with us

I’m interested in learning more about

*Please select an insurance option.

Who will we contact?

To learn more about the privacy of your information, visit our privacy policy.

What is your contact information?

Form Submission Failure

Unfortunately the form submissions has failed. Please go back and try submitting the form again or come back later and try again.

Illustration of a person trimming a tree shaped like a padlock

We’re excited to connect with you!

We'll be in touch soon.

Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
1 Removing money from your contract can result in potential charges and income changes that affect your taxes. If you have a modified endowment contract, your actions may not be tax-free. Withdrawing money decreases the contract’s cash value and the value of your death benefit. And can result in a closed account if you withdraw too much. If you remove money, it will take you longer to meet your contract goals. Always talk with your tax advisor and financial professional to learn about those implications up front.

2 Based on quote for 1-year old male, $25,000 Whole Life Pay to 70.

3 Hypothetical example is for illustrative purposes. May not be representative of actual results.

4 As long as premiums are paid. Future insurability exists with the contract purchased as a juvenile, subject to coverage limitations.

5 Loans and surrenders will decrease the death proceeds and the value available to pay insurance costs which may cause the contract to terminate without value. Surrenders may generate an income tax liability and charges may apply. A significant taxable event can occur if a contract terminates with outstanding debt. Contact your tax advisor for further details. Loaned values may accumulate at a lower rate than unloaned values.

If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.

Thrivent and its financial professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Life insurance guarantees are based on our financial strength and claims-paying ability. Your contract will have exclusions, limitations and terms under which your benefits may be reduced, or the contract may be discontinued. For costs and complete details of coverage, talk with a licensed insurance agent/producer.



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