 TWO
for ONE our most popular plan:
Our
TWO for ONE Family Life plan has been our most popular life
insurance plan almost from the first day we introduced it in 1993.
And there's a good reason for that.
Today's two-income families have household budgets based on two
incomes. Just insuring the primary breadwinner doesn't truly protect
the family as it probably did in our parents' generation. If either
you or your spouse were to die unexpectedly, your family's lifestyle
and future could be in jeopardy if both of you aren't insured
adequately.
But
do you really need two insurance policies...and the added expense
and hassle of paying two premiums? What you probably need is
insurance on the first person to die.Here's why: The benefits paid
on that first life would in many cases take care of "the big
three"...your mortgage, car payments, and children's education. And
the surviving spouse would no longer need a coverage amount large
enough to cover these major expenses. That's why we say it's the
first person to die that needs the largest amount of insurance. And
obviously no one can predict who will die first.
So
here's the important benefit of TWO for ONE...It covers both of you
for the same amount of coverage, it pays on whoever dies first, but
there's only one premium to pay...not two! Another Important
Benefit...if the two of you were both to die within 15 days of each other
as a result of the same accident...this plan will pay double your coverage
amount to your survivors.
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Before
you begin the application process, be sure to review the Two for ONE® Plan Features, Options
and rates. You can download your application to print and complete at your convenience, or
complete your application online and when you are finished we'll ask you to decide if you want to:
• Submit Electronically
(We'll mail you a pre-filled application for your review and signature)
• 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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 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's Lean~15 plan can provide you with an affordable way to help assure your family's financial security.
Your low monthly premium is dependent on your age, sex and smoking status when you start the plan. But your starting premium is designed to stay 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 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 Lean~15 Plan is also available to your spouse as an Associate Member.
*See Monthly Premium Rates for details.
Before you begin the application process, be sure to review the Lean~15 Plan Features, Options and rates.
You can download your application to print and complete at your convenience, or complete your application
online and when you are finished we'll ask you to decide if you want to:
• Submit Electronically
(We'll mail you a pre-filled application for your review and signature)
• 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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Note: This plan is not currently available in New York. Generation 3... a whole new
way to look at life insurance First there was term life insurance, then came whole life. Now there's
Generation 3... combining the best of both term and whole life insurance. Generation 3 is a combination
policy blending whole life, decreasing term, and paid-up additional insurance. It gives you level coverage
(the benefit amount doesn't decrease), with premiums designed to remain level for life! How the Generation 3
Plan Works: You choose the amount of coverage that best meets your needs... from $25,000 to $400,000. Coverage
is issued in $1,000 increments. Generation 3 offers you the best of both worlds - the lower premiums of a term
policy and the security of a whole life plan. The exact combination of whole life coverage and decreasing term
protection is based on your age on the date insurance becomes effective. (For example for members under age 33,
the coverage begins with 6% whole life coverage and 94% decreasing term coverage.) Premiums are also based on
your attained age at entry into the plan and are expected to remain level as long as your coverage stays in
effect. You cannot be singled out for a rate increase; your premiums may be increased only if they are increased
for all insureds under the Group Policy. Once issued, your total coverage amount remains level so long as your
premiums are paid. Dividends as may be declared are used to purchase paid-up Whole Life additions. The Term
portion of your coverage decreases as these Whole Life additions accumulate. Should no dividend emerge in any
plan year, the amount of decreasing term coverage remains the same. Check around and compare the cost. Right
now, our Generation 3 Plan can give you the advantages of permanent lifetime protection at a fraction of the
cost of a traditional whole life policy. And later, when you're older, the cost can be substantially less than
term coverage.
Before you begin
the application process, be sure to review the Generation 3 Plan Features, Options and rates. You
can download your application to print and complete at your convenience, or complete your application
online and when you are finished we'll ask you to decide if you want to:
• Submit Electronically
(We'll mail you a pre-filled application for your review and signature)
• 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.)
USBA's Level Term Life plan is simple, flexible and affordable.... a great way to help protect your family's
financial future. The rate you'll pay is based on your age, your sex, and whether or not you smoke. Your rate
is designed to stay the same until June 1st after you've entered a new age group. See the Current Monthly
Premium Rates for complete rate details and to find the table that applies to you. Your coverage can be
continued until 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.
Before you begin the application process, be sure to review the Level Term Plan Features, Options and
rates. You can download your application to print and complete at your convenience, or complete
your application online and when you are finished we'll ask you to decide if you want to:
• Submit Electronically
(We'll mail you a pre-filled application for your review and signature)
• 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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