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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 50+ Group Whole Life

If you’re age 50 or older and want permanent lifetime coverage with cash value and guarantees, Fifty Plus Group Whole Life is recommended for you. You can buy it through age 69 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 69 and desire coverage amounts from $5,000 to $25,000, you can use our new, simplified application:

Download 50+ Simplified Application - Most States
Download 50+ Simplified Application - New York Residents ONLY
Download 50+ Simplified Application - Minnesota Residents ONLY

IMPORTANT: You’ll need to use our more detailed standard application if you want more than $25,000 in coverage.

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

Before you begin the application process, be sure to review the Whole Life 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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If you want more than $25,000 in coverage, use this application:
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Plan Details    
Q1. How can USBA’s Fifty Plus plan help mature adults with their special life insurance needs?
A1. Older adults have often finished raising their families and have paid off their mortgages. As a result, they probably don’t need as much coverage as younger families. And, many do want guarantees that their coverage will be there for their families when it’s needed, regardless of how long they live.

50+ offers these guarantees: The coverage amount will never go down. The price will never go up. You can keep it as long as you live, provided premiums are paid on time. And your coverage will develop cash value at a guaranteed rate.
Q2. Is there an age limit on eligibility for USBA 50+ protection?
A2. Yes. Insurance is available to USBA Members and Associate Members age 69 (65 in Washington State) and under and can continue as long as you live provided you pay your premium contribution when due.
Q3. Can my spouse get separate 50+ coverage?
A3. Yes. A Member’s spouse age 69 (65 in Washington State) and under can get his or her own Fifty Plus coverage as an Associate Member of USBA.
Q4. If the 50+ plan develops cash value, what can I do with that?
A4. You have several options once your plan has cash value. You can surrender your plan for its cash value at any time. You can also exchange your cash value for a smaller amount of paid-up life insurance which won’t require any further premium payments in the future. Or you can request a loan at current interest rates.

If you request a loan, the death benefit will be reduced by the amount of any unpaid loan, plus any interest-to-date. If the interest isn’t paid at the end of each calendar year, it is applied to the loan balance. If the loan plus interest exceeds the cash value, your insurance will terminate.
Q5. Are premiums higher or levels of protection less if I’m a military or commercial flyer?
A5. No. You’ll receive the same level of coverage at the same low cost as non-flyers. You won’t have to buy additional riders or accept a reduced death benefit.
Q6. Can the amount of my coverage ever be decreased because of age or poor health?
A6. No. The coverage amount you choose will remain the same regardless of your age or health.
Q7. Will my family be protected in the event of a service-related or combat death?
A7. Yes. Service-related and combat deaths receive full benefits. With USBA, there is no war clause, just like when we were founded in 1959.

Area of Armed Conflict Limitation - (This limitation does not apply to: insured members who are on active military duty, including the National Guard & Reserve; death due to accident or illness; or to any coverage amount in force with USBA prior to 1/1/07.) If your death results from hostilities in an “Area of Armed Conflict,” the aggregate maximum benefit payable under all USBA Group Life Plans will be limited to $100,000. (Note: Please contact USBA for a listing of the geographic areas currently designated as an “Area of Armed Conflict.” See your Certificate of Insurance for further details.)
Q8. How much coverage is available?
A8. You may request USBA 50 Plus Group Whole Life coverage in amounts from $5,000 to $25,000, in $1,000 increments. Coverage is available from a minimum of $5,000 to a maximum of $25,000 in $1,000 increments. If you would like whole life coverage in amounts exceeding $25,000, consider USBA’s Group Whole Life policy that provides coverage of up to $750,000. Note: the overall coverage maximum available to each Member/Associate Member under all USBA-sponsored Group Life Plans is $750,000.

Still have questions?
Call our trained service representatives at (877) 297-9235 between 8:00am and 4:30pm (CST), Monday through Friday and they’ll be happy to help you!

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