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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 |
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Introduction |
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If you want permanent lifetime coverage with guaranteed rates, guaranteed benefits, and a guaranteed schedule of cash value, USBA Life-Time Value Group Whole Life Plan is recommended for you. You can buy it through age 80 and keep it for the rest of your life. USBA’s Group Whole Life comes with USBA’s Five Point Guarantee:
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The cost will never go up.
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The coverage amount will never go down.
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You can keep it as long as you choose.
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Your coverage builds cash value on a guaranteed schedule of benefits.
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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!
Note: Residents of Washington state must be under age 65 to apply for coverage under this plan.
*See Monthly Premium Rates for details.
Before you begin the application process, be sure to review the Whole Life 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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Rates |
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Current Monthly Premium Rates
PLEASE NOTE: Coverage is available from a minimum of $5,000 to a maximum of $400,000 in $1,000 increments. The overall coverage maximum under all USBA Group Life Insurance Plans is $650,000 for each Member or Associate Member.
Premiums are based upon the Member’s/Associate Member’s age, sex, and smoking status. Nonsmoker must not have used nicotine in any form, including nicotine patches or gum, in the last 24 months. Call USBA at (800)368-7021 for premium rates for coverage amounts not shown.
Montana Residents: Male rates apply to all Montana residents regardless of sex.
USBA Life-Time Value Group Whole Life:
Male Standard Non-smoker Rates
Female Standard Non-smoker Rates
Male Standard Smoker Rates
Female Standard Smoker Rates
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USBA Group Life Insurance plans are underwritten by New York Life Insurance Company
