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Military Life Insurance, TRICARE, CHAMPVA
Supplements for Armed Forces & Services:
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USBA Group Life Insurance plans are underwritten by New York Life Insurance Company
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Home > Insurance Help & Plans Overview > Long Term 20
USBA Long Term 20 Group Level Term Life Insurance Plan Family Photo
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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 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    

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 $25,000 of USBA Group Life coverage which you request allows you to apply for one unit 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. And, the older your kids get, the more protection USBA Children’s Coverage provides.

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, Spouses and Associate Members. (Children must be age 18-22 to qualify for Associate Membership.)

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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