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USBA Double Value Two for One Family Group Level Term Life Insurance Plan Family Photo
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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 Double Value Two for One Family Group Level Term Life Insurance

Family Group Level Term

Our USBA Double Value TWO for ONE® Family Group Level Term 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 USBA Double Value 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 – should the two of you die within 15 days of each other as the result of the same accident, the full benefit amount would be paid for each life.

Before you begin the application process, be sure to review the TWO for ONE 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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Optional Children’s Term Life Coverage
USBA Children’s Coverage is low-cost term insurance designed to protect your eligible children (unmarried children age 14 days through 22 years) who are not eligible for USBA Membership. Adopted/foster/stepchildren must be dependent on the member for over 50% of their support. If both parents are insured with USBA coverage, only one parent may request Children’s Coverage.

Each $50,000 of USBA TWO for ONE coverage which you request allows you to apply for two units of Children’s Coverage. The maximum is four units.

The monthly premium is just $1.50 per unit—and each unit covers all of your eligible children. In other words, the number of units determines only the amount of insurance on each child—not the number of children insured.

Children’s coverage can continue as long as premiums are paid when due, you continue to be insured under a USBA-sponsored Group Life Plan, and the children remain eligible.

Each Unit Insures All Eligible Dependent Children By Age

14 days to 6 months $1,000 per child
6 months to 2 years $2,000 per child
2 years to 3 years $4,000 per child
3 years thru 22 years $5,000 per child

Optional AD&D Coverage
You can add $40,000 of Accidental Death and Dismemberment (AD&D) to your USBA-sponsored Group Life coverage for $2.00 per month. This optional coverage is available to Members and Spouses.

AD&D Benefit - The full coverage amount—$40,000—is payable for accidental loss of life, the loss of both hands or feet, the sight of both eyes, or any two of the preceding. Half the coverage amount—$20,000—is payable for the loss of one hand or foot or the sight of one eye.

The loss must be the direct result of a covered accident that occurs while coverage is in force and within 90 days of the accident. Loss of a hand or foot means severance at or above the wrist or ankle. Loss of sight means total and permanent loss. No more than $40,000 will be paid for all losses from any one accident.

AD&D coverage ends on the June 1st following the insured’s 66th birthday or earlier if the insured ceases to be insured under a USBA-sponsored Group Life Plan.

Exclusions - AD&D benefits are not provided for losses due to air travel, unless the insured is riding solely as a passenger. Other exclusions include losses due to war; insurrection; riot; terrorist activity; commission of a felony or assault; illegal use of drugs, hallucinogens, etc.; use of alcohol; sickness or disease or its medical or surgical treatment; intentionally self-inflicted injuries; or suicide. AD&D benefits may not be denied due to suicide if insane, unless it can be shown that the insured intended to commit suicide at the time coverage was requested.

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