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USBA Long Term 20 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 Long Term 20 Year Group Level Term Life Insurance

USBA Long Term 20SM Year Group Level Term 

You’ve made the smart decision to help protect your family’s financial future … and we can help you do that with USBA’s Long Term 20-Year Group Level Term Life Insurance plan. This affordable and valuable level term coverage is designed to help give you the financial protection you’re looking for at an affordable rate your budget will appreciate. It’s one of the most loving things you can do for your family.

Buy it today and rest assured, knowing you are covered for the next 20 years (provided you continue to pay your premiums). And although rates are not guaranteed, there will be no decrease in coverage and premiums are designed to remain level for the lifetime of your coverage. It’s underwritten by New York Life Insurance Company — one of the country’s oldest and most reliable insurance companies.

Note: This plan is not currently available in New York or Washington.

Before you begin the application process, be sure to review the Long Term 20 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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Plan Details    
Q1. What are the advantages of Long Term 20 coverage for protecting my family?
A1. USBA Long Term 20 combines the benefits of affordable term coverage with rates that, although not guaranteed, are expected to remain level for a full 20 years. This can be especially helpful during the years when you may be raising a family and/or paying on a mortgage.
Q2. Can I continue my coverage after the 20-year term is over?
A2. Yes. You’re guaranteed the right to renew your coverage as long as premiums are paid and the Group Policy is still in force. Renewal terms and premium rates are available on request. See Renewal Terms & Premiums for details.
Q3. Is there an age limit on eligibility for Long Term 20 protection?
A3. Yes. Insurance is available to USBA Members age 54 and under and can continue through age 74 provided you pay your premium contribution when due and the Group Policy remains in force.
Q4. If I should be diagnosed with a terminal illness, can USBA Long Term 20 help my family while I’m still alive?
A4. Yes. USBA’s Living Benefit can pay you an amount equal to 50% of the USBA Long Term 20 coverage in force while you’re still alive.

To qualify, you must have at least $50,000 coverage in force, be under age 74, and be diagnosed with a terminal condition which results in an expected life span of 12 months or less (24 months or less for Illinois residents). Diagnosis and evaluation of the limited life expectancy must be provided to New York Life.

The amount of insurance payable at death will be reduced by the Living Benefit paid and any premiums deferred as a result of payment of the Living Benefit. Please note that receipt of accelerated benefits may affect your eligibility for public assistance programs. You may wish to consult a financial advisor or attorney before applying for this benefit to determine how this may affect your personal situation.
Q5. I’m healthy, and I lead a rather healthy lifestyle. Are discounted rates available?
A5. Yes. Healthy people with healthy lifestyles may receive a discount. Lower Preferred Rates are available to qualified USBA insureds, starting at $100,000 of coverage. Please review the Monthly Premium Rates to see just how much these savings can be. Preferred rates are not available for individuals who use nicotine in any form, including nicotine patches or gum, who have high-risk hobbies (such as sky-diving or scuba-diving), or who are employed in certain occupations (such as pilots and aircraft crew members).
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. Is it possible to protect my dependent children?
A7. Yes. You can protect all your eligible dependent children with term life coverage for just $1.50 more per unit per month. Eligible dependent children are those, 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. See the Children’s Term Life plan for more details.
Q8. Can I get separate USBA Long Term 20 coverage for my spouse and young adult dependents?
A8. Yes. A Member’s lawful spouse, age 54 and under, and unmarried eligible children, ages 18-22, may obtain their own Long Term 20 coverage as Associate Members of USBA.
Q9. Will my family be protected in the event of a service-related or combat death?
A9. 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.)
Q10. Will I be able to keep my USBA Long Term 20 coverage if I leave the military or retire from federal employment?
A10. Yes. As long as you keep paying your premium and coverage is in force, you can keep your coverage even after your military or federal employment ends. Furthermore, you won’t be asked to pay higher rates because you retire or separate from military service.
Q11. How much coverage is available?
A11. You may request USBA Long Term 20 coverage in amounts from $25,000 to $500,000 (in $1,000 increments). Note: The overall maximum coverage amount 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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