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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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You’ve made the smart decision to protect your family’s financial future … and we can help you do that with USBA’s Long Term 20-Year Group Level Term Life Insurance plan. This affordable and unique level term coverage is designed to give you the financial protection you’re looking for at an affordable rate your budget will appreciate. It’s one of the most loving things you can do for your family.
Buy it today and rest assured, knowing you are covered for the next 20 years (provided you continue to pay your premiums). And although rates are not guaranteed, there will be no decrease in coverage and premiums are designed to remain level for the lifetime of your coverage. It’s underwritten by New York Life Insurance Company — one of the country’s oldest and most reliable insurance companies.
Note: This plan is not currently available in New York or Washington.
Before you begin the application process, be sure to review the Long Term 20 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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Continue My Application |
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Rates |
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Current Monthly Premium Rates
PLEASE NOTE: Coverage is available to Members/Associate Members from a minimum of $25,000 to a maximum of $500,000 in $1,000 increments. (Note: $100,000 minimum for Preferred Rates.)
These are current policy premiums based on the member’s/associate member’s age, sex and smoking status. Although not guaranteed, premiums for the first 20-year term are expected to remain level.
Renewal rates for subsequent 20-year terms (available upon request), will be based on your then attained age, and coverage will be renewed regardless of your health.
Call USBA direct at (877) 297-9235 for premium rates for coverage amounts not shown.
Montana Residents: Male rates apply to all Montana residents regardless of sex.
Long Term 20 Monthly Premium Rates:
Male Preferred Rates
Female Preferred Rates
Male Standard Non-smoker Rates
Female Standard Non-smoker Rates
Male Standard Smoker Rates
Female Standard Smoker Rates
These are the current USBA Long Term 20-Year Group Level Term Life policy premiums. Rates are monthly and are based upon your age, sex, and smoking status. (*Preferred Risk qualifications require that you’re a non-smoker and that you purchase $100,000 minimum coverage amount. See the Plan description for further details on Preferred Rate Qualifications.) Premiums for the first 20-year term, although not guaranteed, are expected to remain level. After your 20-year Term, if you are age 54 or under, you are guaranteed the option to renew for another 20-year Term regardless of your health. Premiums will be based on your then attained age and the rates in effect. Renewal rates are not guaranteed. All renewal terms starting at ages 55 & over will be on an annual basis with premium increases each year. Please see the Renewal Terms & Premium Rates section in the Plan description for further details. Contact a USBA Product Specialist at (877) 297-9235 to obtain renewal rates and rates for coverage amounts not shown.
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USBA Group Life Insurance plans are underwritten by New York Life Insurance Company
