Several children holding hands jumping for joy on a beach.


Complimentary life insurance policy

Life insurance when you open a youth account

Children and teens are eligible to receive $1,000 of complimentary group term life insurance coverage with an active FAT CAT® Account or Zard Account. Coverage is available through the age of 19 or as long as a youth account is maintained. For details read the Certificate of Insurance.

Supplemental Premium Reminder 

The $18 annual premium for members who have already purchased the $9,000 supplemental FAT CAT and Zard Group Term Life Insurance coverage will be withdrawn from their accounts on May 1, 2024. Please contact your local branch by April 24, 2024 if any changes are needed.

Increase coverage for added protection

For $18 per year, an additional $9,000 of life insurance is also available. For FAT CAT and Zard members under 15 years old, a parent or guardian can increase the coverage on their behalf. Teens age 15 or older can increase coverage for themselves.


Life Insurance is not guaranteed by, or an obligation of any credit union and is not insured by NCUA.

Next Steps

Choose a way to request a FAT CAT or Zard youth account, and this complimentary life insurance coverage.

Your resources: Certificate of Insurance

FAT CAT and Zard Group Term Life Insurance is not a deposit and is not federally insured or guaranteed by your Credit Union.