Call us to review your options. You’ll need an active USAA insurance policy, and the children you want to add must be under 18.
USAA Life Insurance Company and USAA Life Insurance Company of New York
Protect your children’s future with a child rider.
Add affordable coverage your kids can keep for life in a few simple steps.
Call 800-245-6399
For TTY devices, dial 711
Hours of operation
Note: Days and times may vary.
Lifelong protection that grows with your child.
Individual whole life policies are based on age, so life insurance costs more as you get older.
Having and converting a child rider may cost less than waiting until adulthood to get an individual policy.
- You can choose $10,000 to $25,000 per parent, up to $50,000 combined. Later, you can turn each one into a separate policy.
- It's an affordable way to insure your kids without buying separate policies. You'll just pay the cost alongside your regular premium.
How it works
Steps to complete How it works
Call 800-245-6399
For TTY devices, dial 711
Hours of operation
Note: Days and times may vary.
Child Rider FAQ
Adding a rider is generally easier and more affordable than buying a stand-alone policy for a child.
Plus, it guarantees their future insurability. Even if their health changes later in life, they can still get coverage.
Usually, no. However, if you're the legal guardian of your grandchild, you can add them to your policy.
Otherwise, grandparents can purchase a separate life insurance policy for a grandchild.
You can transfer your converted policy to the insured adult child by completing a Transfer of Ownership form.
Help your kids build a strong financial foundation with early coverage.
Call 800-245-6399
For TTY devices, dial 711
Hours of operation
Note: Days and times may vary.