Help Safeguard the Financial Future of Those Who Mean Everything to You!

How much is enough when it comes to ensuring that your family will have what it needs to live on and prosper ... especially if you're not there to help? 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. Make sure your policies will pay you what you need, when you need it. USBA's family of life insurance plans provide:

• Coverage You Can Keep - USBA plans can be continued upon retirement or if you change jobs. And there's no increase in premium or decrease in coverage, just because you retire or separate.
• The Company Behind the Plan - Our group life insurance plans are underwritten by New York Life Insurance Co... one of the oldest and largest life insurance companies in America.
• Many Other Benefits and Options - You owe it to yourself and your family to check out the policies and benefits that USBA can offer you.  Click on the links below to learn more about USBA life insurance and other products designed with your unique needs in mind.

Click on the plans below, or scroll down this page to learn more about the USBA plan that's right for you!

Features | Options | FAQs | Rates

Life insurance is all about making sure your family’s financial future doesn’t suffer without you. And USBA’s Smart Value 10 is the Level Term plan specifically designed to provide you with a smart, affordable way to do just that.

Just look at the many features and benefits you’ll get with our Smart Value 10 Level Term plan …

First 10 Years
Although rates are not guaranteed, they are expected to remain level for the first 10 years. It’s an affordable monthly price, depending on your age, sex and smoking status.

Second 10 Years
If you are age 65 or under, you can get a second 10 years of coverage, no matter how healthy you may or may not be at that point. No physical. No new application. No hassles at all.

$25K -- $500K coverage amount … (in $1,000 increments). YOU decide how much you need … how much you can afford.
(Note: The overall maximum coverage for each Member/Associate Member is $650,000 under all USBA-sponsored Group Life Insurance plans.)

Preferred Rates If you’re healthy and lead a healthy lifestyle, you may qualify for our preferred rates at substantial savings over our standard rates.

Features | Options | FAQs | Rates

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 as a result of the same accident (within 15 days)...this plan will pay double your coverage amount to your survivors. 

Features | Options | FAQs | Rates

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, 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 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.

Features | Options | FAQs | Rates

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. Typically, the coverage begins with 4% to 5% whole life coverage and 95% to 96% 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.

Features | Options | FAQs | Rates

USBA's Level Term Life plan is simple, flexible and affordable.... a great way to protect your family's financial future. The rate you'll pay is based on your age, your sex, and whether or not you have used tobacco products, including nicotine patches or gum, within the past 24 months. Your rate is designed to stay the same until June 1st after you've entered a new age group. See Monthly Premium Rates for complete rate details and to find the table that applies to you. Your coverage can be continued until May 31st after 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.

Features | Options | FAQs | Rates

Note: Residents of Washington state must be under age 65 to apply for coverage under this plan.

If you want permanent lifetime coverage with cash value and guarantees, USBA’s 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:

• The cost will never go up.
• The coverage amount will never go down.
• You can keep it as long as you choose.
• Your coverage builds cash value on a guaranteed schedule of benefits.
• 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!

Call us at 1 (800) 368-7021 to receive more information or to request an application. Coverage is available in $1,000 increments starting at $5,000.

Features | Options | FAQs | Rates

Note: Residents of Washington state must be under age 65 to apply for coverage under this plan.

If you're age 50 or older and want permanent lifetime coverage with cash value and guarantees, Fifty Plus is recommended for you. You can buy it through age 80 and keep it for the rest of your life. Fifty Plus comes with USBA's Five Point Guarantee:

• The cost will never go up.
• The coverage amount will never go down.
• You can keep it as long as you choose.
• Your coverage builds cash value on a guaranteed schedule of benefits.
• 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!

If you are age 50 through age 74 and desire coverage amounts from $5,000 to $25,000, you can use our new, simplified application. You'll need to use our more detailed standard application if you want more than $25,000 in coverage, or for any coverage amount if you're age 75 through age 80.

Call us at 1-800-368-7021 for more information. Coverage is available in $1,000 increments starting at $5,000.

For $25,000 or less and under age 75:

For $25,000 OR if you are age 75 through 80, apply online or download a PDF of the plan application:

Standard Features | FAQs | Rates

USBA understands how confusing the health care choices are today for military families and retirees. We also understand how important choosing the right health care supplement is . . . because your family will still have medical expenses even after TRICARE pays. And even though your costs may be small, in many cases they can be huge.

So why choose USBA's TRICARE Standard/Extra Supplement plan?

• Guaranteed Acceptance (subject to pre-existing condition limitation)
• 30-Day satisfaction guarantee
• No Medical Exam Required
• Your choice of 2 specially designed plans to custom fit your needs
• Priced to Fit Your Budget as well as your needs
• Retirees and Spouses get the Same Rates
• Smokers pay the Same Price as Non-smokers

For clarity, we've divided our TRICARE information into three sections:

• Frequently Asked Questions about TRICARE
• TRICARE Standard/Extra Supplement plans
• USBA TRICARE Supplement Rate Chart

We invite you to visit any or all of these links now. If you have questions, please don't hesitate to call one of our highly-trained TRICARE specialists at 1-800-368-7039.

USBA TRICARE Supplement Plans are underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06015, policy form SRP-1269 HLA (1969). Administered by Association & Society Insurance Corporation, P.O. Box 2510, Rockville, MD 20847. (Doing business in California and Texas as ASI Insurance Services; in Virginia as ASI Administrators, Inc.)

This site explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this site and the contract, the terms of the contract will apply. Complete details are found in the certificate of insurance issued to each insured individual. This program may not be available to residents of all states. You will be notified by the Administrator if you are ineligible for coverage.

Standard Features | FAQs | Rates

A FEW WORDS ABOUT THIS PLAN
Out-of-pocket expenses can mount up quickly when you receive medical care outside the military system. That’s why supplemental health insurance like the TRICARE Reserve Select Supplemental Plan is so important for you and your family. With this economical insurance coverage, you’re better protected against the high cost of medical expenses you might face each calendar year in the event of illness.

Many people like you are concerned about getting good insurance coverage at an affordable cost. It’s not easy to get that kind of information on your own … and it can eat up a lot of your precious time. That’s why we’re proud to offer the TRICARE Reserve Select Supplement Plan for National Guard and Reservists.

So why choose this plan?

• Low Monthly Premiums
• Guaranteed Acceptance (subject to pre-existing condition limitation)
• 30-Day satisfaction guarantee
• No Medical Exam Required
• Smokers pay the Same Price as Non-smokers
• Pays cost shares – after the annual deductible is met
• Pays 100% of covered excess charges – after the annual deductible is met

For clarity, we've divided our TRICARE information into three sections:

• TRICARE Reserve Select Supplement Plan Features
• Frequently Asked Questions
• Rate Chart

We invite you to visit any or all of these links now. If you have questions, please don't hesitate to call one of our highly-trained TRICARE specialists at 1-800-368-7039.

This site explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this site and the contract, the terms of the contract will apply. Complete details are found in the certificate of insurance issued to each insured individual. This program may not be available to residents of all states. You will be notified by the Administrator if you are ineligible for coverage.