--- title: Youth Life description: A fully paid life policy will give your child a solid base of coverage for their financial plan without any cost to them and provides coverage to age 100. --- > #  Find An Agent  > >  Your local AFR insurance agent > >  can help you evaluate your needs > >  to make sure you get adequate > >  coverage.  > > [![FIND AN AGENT](https://no-cache.hubspot.com/cta/default/19660651/ba463d8e-bc5a-4d4b-8732-0965c853ffc3.png)](https://cta-redirect.hubspot.com/cta/redirect/19660651/ba463d8e-bc5a-4d4b-8732-0965c853ffc3) > >     # Youth Life Being a parent or grandparent is one of the most important jobs an individual can have. They nurture and protect their children to grow up as strong and self-sufficient adults.  Our popular Youth Life plan combines the very low cost of insurance of younger children with the accelerated payment plans of Single or 20-Pay to purchase coverage that is paid up for the child's entire life without additional ongoing premiums. A fully paid life policy will give your adult child a solid base of coverage for their financial plan without any cost to them. It may seem strange to think of buying life insurance on a child or grandchild but what other gift could you give that would last your child's entire life? A paid-up Youth Life plan is a smart idea when you consider the long term impact on your child.   Youth Life is a whole life product that is issued on children ages 0-18 and provides lifetime level coverage to age 100.  This product can be purchased by parents or grandparents and offers coverages from $5,00-$25,000. Our 20-pay plan is the most popular choice because after 20 years of premiums, the policy is paid up for the child's entire life.  ## Features --- ![Accelerated Payment Plans](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/multiple%20houses%20(4).png?width=200&height=200&name=multiple%20houses%20(4).png "Accelerated Payment Plans") ### Accelerated Payment Plans We offer plans that provide paid-up coverage for a lifetime benefit. Choose from Single Pay or 20-pay. ![Low Premiums](https://www.afrlife.com/hs-fs/hubfs/multiple%20houses%20(8).png?width=200&height=200&name=multiple%20houses%20(8).png "Low Premiums") ### Low Premiums Life insurance premiums increase with age. The Single-Pay or 20-Pay option allows you to lock in lifetime paid-up coverage at childhood rates, which are the lowest possible cost.  ![Payment Coverage](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/multiple%20houses%20(6).png?width=200&height=200&name=multiple%20houses%20(6).png "Payment Coverage") ### Permanent Coverage Once the policy is fully paid up, our polices give you permanent coverage for the insureds entire lifetime and cannot be canceled even if your child develops health problems or has an accident making them insurable in the future. ![Easy Application](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/multiple%20houses%20(7).png?width=200&height=200&name=multiple%20houses%20(7).png "Easy Application") ### Easy Application We make it easy to purchase a life insurance plan for your child or grandchild with an easy application with only three medical questions and limited underwriting. ![Builds A Cash Value](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/multiple%20houses%20(3).png?width=200&height=200&name=multiple%20houses%20(3).png "Builds A Cash Value") ### Builds a Cash Value Benefits of a policy's cash value: - Guaranteed Growth with tax-deferred - The value will never decrease - Use it anytime for what you need ![Find An Agent](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/iStock_000033573194_Full.jpg?width=4199&quality=low "Find An Agent") ## Ready to insure your biggest asset? You insure your home and auto but the most important asset to insure is you and your ability to provide income for your family needs. Determining the right product and the amount of coverage may seem like a daunting task but with the experience of our local agents in your community, they'll help you find the right coverage.  AFR Life is prepared to help you protect what matters. Find an AFR agent today and start exploring the coverage options that best fits your needs!    [![Find An Agent](https://no-cache.hubspot.com/cta/default/19660651/0780fd31-bf0b-4eec-b791-b331ed7d3cfa.png)](https://cta-redirect.hubspot.com/cta/redirect/19660651/0780fd31-bf0b-4eec-b791-b331ed7d3cfa) ## Life Insurance Calculator --- | **Life Insurance Need Calculator ** | | | --- | --- | | This calculator will help you to decide how much life insurance you need if your survivors invest the life insurance benefits they receive. | | | Funeral cost, estate taxes, etc. ($): | | | Amount needed to pay off non-mortgage debt ($): | | | Amount needed in emergency fund ($): | | | Amount needed in college fund ($): | | | Expected average annual living expenses ($): | | | Expected spouse's average annual income after taxes ($): | | | Annual Social Security Benefits ($): | | | Spouse's current age (#): | | | Value of current liquid assets ($ total of savings, investments, etc.): | | | Expected survivor's investment strategy: | Conservative Aggressive | | | | | Life insurance needs: | | ![Get A Quote](https://www.afrlife.com/hubfs/AFRMIC%20Website/Imagery/technology-791029_1920.jpg "Get A Quote") ## Get a quote We offer a variety of insurance protection at affordable rates. Join the many policyholders who have experienced outstanding service with our company. Your local agent will work with you to find a policy that fits your individual needs.   [![Get A Quote](https://no-cache.hubspot.com/cta/default/19660651/fd606e24-4848-467d-aba0-d269348543a3.png)](https://cta-redirect.hubspot.com/cta/redirect/19660651/fd606e24-4848-467d-aba0-d269348543a3) ## Resources --- #### [![Resources Icon](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/Resources%20Icon.png?quality=low&width=76&name=Resources%20Icon.png)  Report a Death Claim](https://www.afrlife.com/claims-center?hsLang=en) #### [![Resources Icon](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/Resources%20Icon.png?quality=low&width=76&name=Resources%20Icon.png)  Request Change to My Payment](https://www.afrlife.com/hubfs/AFRL%20MBD%2020%20Final%20Fillable.pdf?hsLang=en) #### [![Resources Icon](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/Resources%20Icon.png?quality=low&width=76&name=Resources%20Icon.png)  Change in Policy information](https://www.afrlife.com/hubfs/AFR%2013-003%20Policyowner%20Change%20Form%208.29.22.pdf?hsLang=en) #### [![Resources Icon](https://www.afrlife.com/hs-fs/hubfs/AFR%20Life%20Website/Resources%20Icon.png?quality=low&width=76&name=Resources%20Icon.png)  Youth life application](https://www.afrlife.com/hubfs/AFRL%20YL%20END-WL%20EZ%20APP%20OK22%2008.25%20-%20fillable%20w%20MBD.pdf?hsLang=en) ## Youth Life Frequently Asked Questions --- - [ What ages are eligible for the Youth Whole Life policy? Open or Close ](https://www.afrlife.com/youth-life#) Ages 2 weeks to 18 years old are eligible for the Youth Life coverage. - [ What payment plans are available for Youth Life? Open or Close ](https://www.afrlife.com/youth-life#) AFR Life offers several accelerated payment options including Single Pay, 20-Pay, Pay to 65, in addition to the regular premium to age 100 schedule. With the accelerated plans, the policy can be "paid up" meaning that no additional premiums are require while the coverage remains level for the life of the insured. This can lower the total cost of insurance. - [ Why should I consider buying insurance on a child? Open or Close ](https://www.afrlife.com/youth-life#) Because the changes for mortality are low for young children, the premiums rates are very low. If you combine the low rates of a child and the Sing or 20-Pay payment plans, you can purchase lifetime coverage for your child at the lowest cost possible. Eventually, the child will grow up and need insurance on their own. This is an excellent way to pay less for the same lifetime coverage. - [ What is the underwriting process for Youth Life? Open or Close ](https://www.afrlife.com/youth-life#) AFR Life offers a Jet Issue underwriting for amounts of $25,000 or less. Jet Issue consists of 7 medical questions. If all questions are answered 'No', the policy is issued. If 'Yes' answers exist, additional underwriting is required. ## Why Choose AFR Life? --- [![Experience](https://www.afrlife.com/hs-fs/hubfs/AFRMIC%20Website/Imagery/corn-4212099_1920.jpg?width=1919&quality=low "Experience")](https://www.afrlife.com/about-us?hsLang=en) ## [Experience.](https://www.afrlife.com/about-us?hsLang=en) AFR Insurance has been serving Oklahomans since 1905. For over 100 years, we have worked to provide the best in class products and service. We are equipped to handle whatever life throws at you. [![claims](https://www.afrlife.com/hs-fs/hubfs/AFRMIC%20Website/Demo%20Website%20Content-%204-18-21/Website%20Imagery/claims.png?width=499&quality=low "claims")](https://www.afrlife.com/claims-center?hsLang=en) ## [Integrity. ](https://www.afrlife.com/claims-center?hsLang=en) 24/7, Fast and Fair Claim Service. We are here to help, no matter when trouble strikes. We make it easy to file a claim and help your family adjust after a loss. [File A Claim  ](https://www.afrlife.com/claims-center?hsLang=en) [![community](https://www.afrlife.com/hs-fs/hubfs/AFRMIC%20Website/Imagery/community.png?width=499&quality=low "community")](https://www.afrlife.com/find-an-agent?hsLang=en) ## [Local. ](https://www.afrlife.com/find-an-agent?hsLang=en) With independent agents in every corner, no one knows life insurance like AFR. We are in your community and a part of your community. Your business stays local. ## Connect with Us --- > Whether you are needing a quote, searching for more information, or checking out our blog and social media, we would love to connect with you! We pride ourselves in being accessible and meeting people where they are, no matter what your needs are! Fill out the form and a trusted customer service representative will be with you shortly. In the meantime, check out our social media and blog or contact your local agent for immediate assistance. > > [![Connect With Us!](https://no-cache.hubspot.com/cta/default/19660651/3ed7b51a-dffb-4d81-aedb-408062d7c8c3.png)](https://cta-redirect.hubspot.com/cta/redirect/19660651/3ed7b51a-dffb-4d81-aedb-408062d7c8c3)   [ Facebook ](https://www.facebook.com/AFRInsurance) [ Instagram ](https://www.instagram.com/afr_insurance/) [ LinkedIn ](https://www.linkedin.com/company/afrinsurance) [ Twitter ](https://twitter.com/AFRInsurance) ## Disclosure --- Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determination. Such terms may vary and exclusions may apply. Other discounts may be available on an individual basis. All policies are different and your policy may not qualify for all discounts listed.