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Military Life Insurance, TRICARE, CHAMPVA
Supplements for Armed Forces & Services:
Active Duty, Transitioning Military,
Veterans, Retired Military, Reserve &
National Guard, Federal Employees
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USBA Group Life Insurance plans are underwritten by New York Life Insurance Company
877-297-9235 Sales
800-821-7912 Member Support
Home > Insurance Help & Plans Overview > Important Plan & Eligibility Information

  Important Plan & Eligibility Information


Important Information for All Group Life Insurance Plans
*Important Notice: How New York Life Underwrites Your Request for Coverage

Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for coverage, we will rely on the information you furnish, and on any information we may ask you to obtain from a doctor, hospital, etc. New York Life will not disclose such information to anyone unless you authorize it or where it is required by law. This information may be seen by New York Life and USBA employees, only on a "need to know" basis in considering your request for coverage. When we receive all requested information, we will make a determination as to whether your request for insurance can be approved.
Effective Date of Coverage: When We Can Provide the Coverage You Requested
If we can provide the coverage you requested, it will take effect on the approval date specified provided the premium has been paid. You must also be performing your normal activities on the date of approval. Dependent children insured under Children’s Coverage must not be hospital-confined on the date of approval. Payment of premium does not mean coverage is in force before the effective date specified by New York Life.
If We Cannot Provide Coverage
If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Generally, upon written request, medical record information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured.
    Important Notice for New Mexico Residents: Protected persons* have a right of access to certain confidential abuse information** we maintain in our files and they may choose to receive such information directly. You have the right to register as a protected person by sending a signed request to the Group Policyholder (USBA) at the address listed on the application. Please include your full name, date of birth, and current address.
    * “Protected person” means a victim of domestic abuse who has notified us that he or she is or has been a victim of domestic abuse and who is an insured or is a prospective insured.
    ** “Confidential abuse information” means information about acts of domestic abuse or abuse status, the work or home address or telephone number of a victim of domestic abuse, or the status of an applicant or insured as a family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close personal, family or abuse-related counseling relationship.
Arkansas Residents
Pamela Oyler, an employee of USBA, is a licensed Arkansas Agent whose License Number is 347836.
California Residents
Pamela Oyler, an employee of USBA, is a licensed California Agent whose License Number is 0G58528.
Montana Residents
Male rates apply to all Montana residents regardless of sex.
Puerto Rico Residents
Application forms and premium payments are to be sent to:
Global Insurance Agency, Inc.
P.O. Box 9023918
San Juan, PR 00902-3918
Licensing and Area Limitations
New York Life and USBA
are licensed to conduct business in the 50 United States, the District of Columbia and Canada. New York Life is domiciled in New York State and its NAIC Identification Number is 66915. USBA is domiciled in the state of Kansas.
Area Limitations for Certain Group Life Plans
USBA’s Group Life Plans are generally available in all 50 States, the District of Columbia, Puerto Rico and Canada (except Quebec). The following plans are not currently available in the states indicated.
  • USBA Smart Value 10 Year Group Level Term - Not available in New York.
  • USBA Long Term 20 Year Group Level Term - Not available in New York and Washington State.
  • USBA Fifty Plus Group Whole Life - Not available in Washington State to members age 65 and over.
Important Replacement Information for New York Residents
It may not be in your best interest to replace existing life insurance policies or annuity contracts in connection with the purchase of a new life insurance policy, whether issued by the same or a different insurance company. A replacement will occur if, as part of your purchase of a new life insurance policy, existing coverage has been, or is likely to be, lapsed, surrendered, forfeited, assigned, terminated, changed or modified into paid-up or other forms of benefits, loaned against or withdrawn from, reduced in value by use of cash values or other policy values, changed in the length of time or in the amount of insurance that would continue, or continued with a stoppage or reduction in the amount of premium paid. Prior to completing a replacement transaction, you may want to contact the insurance company or agent who sold you the life insurance or annuity contract that will be replaced, to help you decide whether the replacement is in your best interest.
Insurance Eligibility
USBA Membership
There are no membership fees and no annual dues with USBA. And only members can qualify to apply for coverage under our Group Life Insurance Plans.

To qualify for USBA membership you must be … Active Duty or a Retired member of the U.S. Military, in the Reserves (including I.R.R. and National Guard), an Honorably Discharged Veteran, or a Federal Civilian Employee … or the spouse of any of the above qualifying categories.
Insurance Eligibility
To apply for USBA-sponsored Group Life coverage, you must be age 18 to 64. *(Note: age 64 is the oldest you can be to apply for coverage, although all of our plans stay in effect well past that age.)

Your children may also be covered up to age 23, or until they marry. In some cases they can then qualify for Associate Membership on their own, without meeting any of the above qualifying categories for regular USBA membership.

If you have questions about your qualifications, just call one of our trained Member Service representatives at (877) 297-9235.

*NOTE: USBA Fifty Plus Group Whole Life is available to members through age 80. Please refer to Plan descriptions for applicable state limitations/restrictions.

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