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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 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. You can also apply online if you want more than $25,000.

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    

Current Monthly Premium Rates

PLEASE NOTE: 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. The overall coverage maximum available to each Member/Associate Member under all USBA-sponsored Group Life Plans is $750,000.

Premiums are based upon the Member’s/Associate Member’s age, sex, and smoking status or tobacco-use. Nonsmoker must not have used nicotine in any form, including nicotine patches or gum, in the last 24 months. Call USBA at (877) 297-9235 for premium rates for coverage amounts not shown.

Montana Residents: Male rates apply to all Montana residents regardless of sex.

USBA 50+ Group Whole Life:
The following rates are current as of 2020.

Male Standard Non-Tobacco User Rates

Male Non-Tobacco User Rates for USBA 50+ Group Whole Life Insurance

Female Standard Non-Tobacco User Rates

Female Non-Tobacco User Rates for USBA 50+ Group Whole Life Insurance

Male Standard Tobacco User Rates

Male Tobacco User Rates for USBA 50+ Group Whole Life Insurance

Female Standard Tobacco User Rates

Female Tobacco User Rates for USBA 50+ Group Whole Life Insurance

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