Better Start, Insurance for Children 17 and Under.

Secure your child’s tomorrow with lifelong coverage and exclusive member benefits that grow with them.

Secure Their Future, Starting Today.

Give your child the gift of lifelong protection with Better Start Whole Life Insurance, a plan thoughtfully designed for children 15 days to 17 years old.

With no medical exams, affordable fixed premiums, and a suite of exclusive member benefits, Better Start offers more than just financial security. It’s a lasting gift of protection and opportunity that grows with your child—no matter where life takes them.

Better Start isn’t just insurance, it’s a legacy of love, stability, protection and added peace of mind for generations to come.

Flexible, Affordable Coverage Options

Choose from multiple payment plans and coverage amounts starting at just $5,000, with fixed premiums that never increase based on the child’s age at issue.

Security for Life’s What-Ifs

Includes a Living Benefit Rider, giving you the flexibility to access a portion of the policy’s value when it matters most—during life’s unexpected challenges

Lifelong Protection with Guaranteed Growth

Better Start offers permanent whole life coverage with guaranteed cash value accumulation starting from day one—ensuring your child’s financial foundation grows tax-deferred over time.**

With the Flexibility to Grow

BetterLife’s Better Start life insurance includes an optional Guaranteed Insurability Rider—empowering your child to secure additional coverage at key life milestones without medical exams, offering lasting flexibility and additional peace of mind.

Better Start Life Insurance is a Great Option For:

Parents and Guardians Planning Ahead

Excellent for families who want to lock in lifelong coverage early, with guaranteed premiums and growing cash value that supports their child’s financial future from the start.

Members Seeking Community-Driven Benefits

Great for those who value affordable protection backed by a trusted organization with deep community roots and exclusive member-focused features.

Our Better Start Life Insurance Offers:

Eligibility: Available for children aged 15 days to 17 years.
Coverage Amounts to Fit Every Family: Incremental coverage options ranging from $5,000-$50,000.
Simplified Underwriting: No medical exams—just a few basic health questions for fast, hassle-free application process.
Affordable, Fixed Premiums: Lock in low rates based on your child’s age at issue—premiums never increase as long as the policy is active.
Builds Financial Security: Cash value grows tax-deferred and can be accessed through policy loans for future needs like education or emergencies.**
Added Peace of Mind with Living Benefits: Included at no additional cost, providing flexibility for policyholders with terminal or permanent illness.*
Future Coverage Flexibility: Optional Guaranteed Insurability Rider, allowing additional coverage purchases at milestone ages—no medical exams required.
Three Flexible Payment Options: Choose from Life-Pay, 20-Pay, or Single Premium plans to match your family’s financial goals.
Member Benefits: Free access to our exclusive BetterLife Member Benefits

* Subject to terms of rider **According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances. Accessing cash value decreases death benefit.

Here's what our members have to say:

Anna

BetterLife Member from Hettinger, SD

"BetterLife has been involved in my life for a very long time. My father passed away when I was 10, and his insurance policy kept us going during that time. I have my own policy, I was a national scholarship winner which helped me attend college and become the teacher I am today."

Ed

BetterLife Member – 50 Years

"Being a member of a group that brings the community together multiple times a year to remember and celebrate their heritage. Also, to those community members from a different background, sharing our culture and inviting them to join us in the celebration. When not celebrating heritage, we also have those times where community people can buy and sell locally made products and volunteer their time to help those in need. It feels pretty good knowing that you are a member of a group that works as hard as they can to help as many as they can!"

Megan

Member from Sun Prairie, WI

"I have been a member with BetterLife for 35 years and have always felt like I am a part of the BetterLife family. When I have a question about my policy, I can count on receiving friendly, knowledgeable, and helpful service."

Barb

BetterLife Member – 1.5 Years

"This is an amazing company that is a nonprofit company that gives back to the community. They put on events to help support local businesses, they give scholarships to high school kids, if you are going thru tough times they are there to support you. What other life insurance company do you know that does all of this. The biggest part is that the people that run the company are at every event no matter where it is. They are so personable and easy to talk to. No matter what type if question you have someone will talk you through it."

Sharon

Member Since 1968

"Being a member of this fraternal company gave me the ability to help others."

Marcia

Member from Verona, WI

"BetterLife has really taken the time to get to know me and my family. I like that they are part of my community and they care about the same things I do."

Elizabeth

Member for 72+ Years

"BetterLife provides a supportive group to meet with and enjoy socializing and providing community service."

Interested in some more information?

A BetterLife agent can help you.

Fill out this form and a BetterLife agent will reach out to you within 1-2 business days.