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Home > Insurance Help & Plans Overview > Smart & Lean 15
USBA Smart & Lean 15 Group Level Term Life Insurance Plan Family Photo
 
     
 
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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 Smart & Lean 15-Year Group Level Term Life Insurance logo

USBA Smart & Lean 15 Year Group Level Term

Life insurance is all about making things easier for your loved ones … protecting them from major financial burdens … making sure their future doesn’t suffer. And USBA Smart & Lean 15 Year Group Level Term Plan can provide you with a way to help assure your family’s financial security.

Your affordable monthly premium is dependent on your age, sex and smoking status or tobacco use when you start the plan. But your starting premium, although not guaranteed, is expected to remain level for a full 15 years!* And so will your coverage amount.

Since no two families’ needs are the same, flexibility is key. The USBA Smart & Lean 15 Plan offers you a full range of coverage … from as low as $25,000 to a maximum of $500,000. You decide the amount that best suits your family’s financial needs. You’ll be glad to know the USBA Smart & Lean 15 Plan is also available to your spouse and eligible children ages 18-22 as Associate Members.

*See Monthly Premium Rates for details.

Before you begin the application process, be sure to review the Smart & Lean 15 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

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.)

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. Although not guaranteed, premiums for the first 15-year term are expected to remain level. Renewal rates for subsequent 15-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.

Smart & Lean 15 Monthly Premium Rates:

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

Male Non-Tobacco User Preferred Rates for USBA Smart & Lean 15 Life Insurance

Female Non-Tobacco User Preferred Rates for USBA Smart & Lean 15 Life Insurance

Male Non-Tobacco User Standard Rates for USBA Smart & Lean 15 Life Insurance

Female Non-Tobacco User Standard Rates for USBA Smart & Lean 15 Life Insurance

Male Tobacco User Rates for USBA Smart & Lean 15 Life Insurance

Female Tobacco User Rates for USBA Smart & Lean 15 Life Insurance

These are the current Smart & Lean 15 new policy premiums. Rates are monthly and are based upon your age, sex, and smoking status. *(Preferred Risk qualification requires that you’re a non-tobacco user and that you purchase $100,000 minimum coverage amount.) Premiums for the first 15-year term, although not guaranteed, are expected to remain level. Renewal rates for subsequent 15-year terms (available upon request) will be based on your then attained age, and coverage will be renewed regardless of your health. Renewal rates are not guaranteed. Contact a USBA Product Specialist at (877) 297-9235 to obtain renewal rates and rates for coverage amounts not shown.

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