Note: Residents of Washington state must be under age 65 to apply for coverage under this plan.

If you’re age 50 or older and want permanent lifetime coverage with cash value and guarantees, Fifty Plus is recommended for you. You can buy it through age 80 and keep it for the rest of your life. Fifty Plus comes with USBA’s Five Point Guarantee:

• The cost will never go up.
• The coverage amount will never go down.
• You can keep it as long as you choose.
• Your coverage builds cash value on a guaranteed schedule of benefits.
• If you’re not happy with your coverage after you get it, you have a full 30 days to return it for a complete refund.

Once approved, you’ll never have to re-qualify for coverage because this is permanent, not term, insurance. Even if your health changes in the future, you’ll never lose your coverage as long as you pay your premiums on time—it’s GUARANTEED!

If you are age 50 through age 80 and desire coverage amounts from $5,000 to $25,000, you can use our new, simplified application.

IMPORTANT: You’ll need to use our more detailed standard application if you want more than $25,000 in coverage, or for any coverage amount if you're age 75 through age 80. You can also apply online if you want more than $25,000 in converage or are age 75 through 80.

Call us at (800) 368-7021 for more information. Coverage is available in $1,000 increments starting at $5,000. 

For $25,000 or less and under age 75:

For $25,000 OR if you are age 75 through 80, apply online or download a PDF of the plan application: