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Home > Insurance Help & Plans
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Insurance Help
Walk through Steps 1-4 below for the basics on how to select the right amount and type of life insurance coverage for you and your family.
Choose a USBA Life or Health Insurance plan from our selection to the right. If you need more help making a decision, check out our Library of Insurance Topics & Helpful Links, as well as our current Blog with up-to-date insurance news.
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STEP 1: Life Insurance Needs Estimator
Determine the right level of life insurance for you and your family here. |
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STEP 2: Insurance Plan Recommender
Unravel whether Term, Whole Life or a Blended Plan is right for you here. |
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STEP 3: Get A Rate Quote
Based on coverage amount & type of plan, estimate your premium here. |
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STEP 4: FREE
Info Packet or Apply Online
Need more information? Order a free info packet with plan details & an application. Or apply now using our handy online form. |
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| Library
of Insurance Topics & Links |
New!
USBA’s Insurance
Topic Library is a growing wealth of information
on life insurance and military-career related topics
to help you better understand insurance and how to
select the right protection for yourself and your
loved ones. Check back
often as new Topics will be posted regularly.
In the Library, you’ll also find more information
by following our collection of valuable insurance
industry and military-related Links. |
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Life
Insurance Plans
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Long
Term 20SM Year Group Level Term
Rest assured knowing you are covered affordably for the next 20
years. Coverage won’t decrease and premiums, although not
guaranteed, are designed to remain level.
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Smart Value 10 Year Group Level
Term
Easy-to-budget 10-year level term insurance. You select the
amount of coverage your family needs – from $25,000 to $500,000.
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Double Value TWO for ONE® Family
Group Level Term
One insurance policy that covers both legally married spouses equally
and pays on the first to die. Optional Children’s Coverage
protects the whole family!
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Smart & Lean 15 Year Group
Level Term
Offers family protection at a price that won’t destroy the
family budget. Your starting premium, although not guaranteed,
is expected to remain level for a full 15 years.
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Wise Choice Generation
3SM Group Blended
Here’s the Term/Perm dilemma: traditional Whole Life (permanent)
insurance may be too expensive. Traditional Term may not have enough
guarantees to meet your needs. Generation 3 blends the best of
both!
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Group Level Term
Our most affordable plan for younger ages. Pure life insurance
protection with no savings element.
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Life-Time Value Group
Whole Life
Permanent coverage with an increasing cash value. Once approved,
your premium is guaranteed never to increase, coverage is guaranteed
never to decrease, and the policy accrues a cash value while it’s
in force.
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50+ Group Whole Life
If you’re 50 or over, and want lifelong coverage with guarantees,
50+ is recommended. Buy it through age 80 and keep for the rest
of your life.
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Children’s Term Life
Coverage
A low-cost term plan designed to protect eligible children (unmarried;
ages 14 days through 22 years) who are not eligible for USBA Membership.
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First StepsSM Group Whole Life Coverage
Adult sized protection … Child sized premiums! “Permanent” life insurance protection for your children that also accumulates cash value.
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Health
Insurance Plans
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TRICARE Standard/Extra
Supplement
If you are an eligible TRICARE military family or retiree
beneficiary, you may be eligible for supplementary coverage
in addition to what TRICARE pays.
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TRICARE Reserve
Select Supplement
Available as a supplement to TRICARE Reserve coverage
for eligible Guardsmen and Reservists. An economical
way to help cover what TRICARE Reserve doesn’t.
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CHAMPVA Supplement
When combined with your CHAMPVA benefits, USBA CHAMPVA Supplement Plan provides you with the protection for those out-of-pocket costs that can occur when a serious covered accident or sickness occurs.
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Cancer Expense
Help protect your family from the high cost of cancer treatment
with USBA’s cancer benefit coverage, underwritten by Monumental Life Insurance Company (Cedar Rapids, IA). You’ll be pleasantly surprised by our competitive
cost.
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Hospital Indemnity
When you’re hospitalized, with this insurance,
benefits are provided from the first day of covered hospitalization
and are payable up to one full year!
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