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Welcome to USBA!
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 > Level Term
USBA Group Level Term Life Insurance Plan Family Photo
Plan Details

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30-Day Unconditional Promise:
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 Group Level Term

USBA’s Group Level Term Life plan is simple, flexible and affordable … a great way to protect your family’s financial future. The rate you’ll pay is based on your age, your sex, and your smoking status or tobacco-use. Your rate is designed to stay the same until June 1st after you’ve entered a new age group. See Monthly Premium Rates for complete rate details and to find the table that applies to you. Your coverage can be continued until June 1st after your 79th birthday, as long as premiums are paid on time.

You’ll probably find it hard to believe the large amount of life insurance you can get from USBA for so little money. But don’t buy for price alone; look at all the benefits and features of our plan.

*See Monthly Premium Rates for details.

Before you begin the application process, be sure to review the Level Term 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    

Current Monthly Premium Rates

Members and spouses may request from $25,000 to $250,000 of Level Term Life (in $1,000 increments). The minimum coverage amount is $5,000 for members/spouses insured under another USBA Group Life Plan. Note: the overall maximum under all USBA Group Life Plans is $650,000 for each member or spouse.

Rates are based on the insured’s smoking status or tobacco-use, sex, and attained age at issue. To qualify for Non-Tobacco rates, you must not have used tobacco or nicotine in any form, including nicotine patches or gum, in the last 24 months. Rates increase on June 1st after entering a new age group. Coverage may be purchased through age 64, and may be continued until June 1st following the member’s/spouse’s 79th 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.

Montana Residents: Male rates apply to all Montana residents regardless of sex.

USBA Group Level Term:

Male Standard Non-Tobacco Rates
Female Standard Non-Tobacco Rates
Male Standard Tobacco User Rates
Female Standard Tobacco User Rates

Male Non-Tobacco User Rates for USBA Group Level Term Life Insurance

Female Non-Tobacco User Rates for USBA Group Level Term Life Insurance

Male Tobacco User Rates for USBA Group Level Term Life Insurance

Female Tobacco User Rates for USBA Group Level Term Life Insurance

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