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Home > Insurance Help & Plans Overview > Two for One
USBA Double Value Two for One Family Group Level Term Life Insurance Plan Family Photo
 
     
 
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Upon approval of your Application, you’ll be issued a Certificate of Insurance. If you are not completely satisfied with the provisions of your Certificate, you can return it within 30 days, without claim, for a prompt, full refund. Important Plan Information
 
USBA Double Value Two for One Family Group Level Term Life Insurance

Family Group Level Term

Our USBA Double Value TWO for ONE® Family Group Level Term Life plan has been our most popular life insurance plan almost from the first day we introduced it in 1993. And there’s a good reason for that.

Today’s two-income families have household budgets based on two incomes. Just insuring the primary breadwinner doesn’t truly protect the family as it probably did in our parents’ generation. If either you or your spouse were to die unexpectedly, your family’s lifestyle and future could be in jeopardy if both of you aren’t insured adequately.

But do you really need two insurance policies … and the added expense and hassle of paying two premiums? What you probably need is insurance on the first person to die. Here’s why: The benefits paid on that first life would in many cases take care of “the big three” … your mortgage, car payments, and children’s education. And the surviving spouse would no longer need a coverage amount large enough to cover these major expenses. That’s why we say it’s the first person to die that needs the largest amount of insurance. And obviously no one can predict who will die first.

So here’s the important benefit of USBA Double Value TWO for ONE … It covers both of you for the same amount of coverage, it pays on whoever dies first, but there’s only one premium to pay … not two!

Another Important Benefit – should the two of you die within 15 days of each other as the result of the same accident, the full benefit amount would be paid for each life.

Before you begin the application process, be sure to review the TWO for ONE Plan Features, Options, FAQs and Rates.

You can complete your application online or print an application and complete it at your convenience. Plus, when you choose to apply online, we’ll ask you to decide if you want to:

  • Submit Electronically
  • Print and Mail
(After completing the application, you can print it, sign it and mail it to us with a check for the required premium amount. If we cannot issue a policy for any reason, we will refund the amount you paid in full.)

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Plan Details    
Rates

Current Monthly Premium Rates

Important Rate Information: One premium covers both lives ... and pays on whoever dies first. Coverage is equal for both lawfully married spouses. It’s available in coverage amounts from $50,000 to $400,000 in multiples of $50,000 (starting at $100,000 for Preferred Rates). The coverage amount stays the same regardless of your age. The older spouse’s age determines the initial rates.

Non Tobacco rates apply to couples who have not used tobacco or nicotine in any form, including nicotine patches or gum, in the past 24 months. If either spouse has used tobacco or nicotine during this period tobacco user rates apply.

Rates are based on a couple’s age difference, smoking status or tobacco use, and the older spouse’s age. Rates increase on June 1st after entering a new age group. Coverage is available to USBA Members and the Member’s lawful spouse through age 64, and terminates June 1st following the older spouse’s 70th birthday.

Benefits may be changed by agreement between New York Life and USBA. Only current rates are shown. Rates are not guaranteed and are subject to change by New York Life. These changes can occur only on the policy anniversary or on the date any benefits change. Any benefit changes would be made on a group basis.

Two for One Monthly Premium Rates:

Preferred Rates (For couples with 5 years or less age difference.)
Preferred Rates (For couples with more than 5 years age difference.)
Standard Non-Tobacco User Rates (For couples with 5 years or less age difference.)
Standard Non-Tobacco User Rates (For couples with more than 5 years age difference.)
Tobacco User Rates (For couples with 5 years or less age difference.)
Tobacco User Rates (For couples with more than 5 years age difference.)

Effective for coverage issued on and after 1 June 2016.

USBA Two for One preferred non-tobacco users with less than 5 year age difference

USBA Two for One preferred non-tobacco users with more than 5 year age difference

USBA Two for One standard non-tobacco users with less than 5 year age difference

USBA Two for One standard non-tobacco users with more than 5 year age difference

USBA Two for One tobacco users with less than 5 year age difference

USBA Two for One tobacco users with more than 5 year age difference

PRIOR RATES: Click here for premium rates on coverage issued with effective dates prior to 1 June 2016.

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