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Military Life Insurance, TRICARE, CHAMPVA
Supplements for Armed Forces & Services:
Active Duty, Transitioning Military,
Veterans, Retired Military, Reserve &
National Guard, Federal Employees
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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    
Rates

Current Monthly Premium Rates

PLEASE NOTE: Coverage is available to Members/Associate Members from a minimum of $25,000 to a maximum of $500,000 in $1,000 increments. (Note: $100,000 minimum for Preferred Rates.)

Rates are based on the insured’s smoking status or tobacco-use, sex, and attained age at issue. To qualify for Non-Tobacco rates, you must not have used tobacco or nicotine in any form, including nicotine patches or gum, in the last 24 months. Although not guaranteed, premiums for the first 20-year term are expected to remain level. Renewal rates for subsequent 20-year terms (available upon request), will be based on your then attained age, and coverage will be renewed regardless of your health.

Call USBA direct at (877) 297-9235 for premium rates for coverage amounts not shown.

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

Long Term 20 Monthly Premium Rates:
The following rates are current as of 2017.

Male Preferred Rates
Female Preferred Rates
Male Standard Non-Tobacco User Rates
Female Standard Non-Tobacco User Rates
Male Tobacco User Rates
Female Tobacco User Rates

Male Non-Tobacco User Preferred Rates for USBA Long Term 20 Life Insurance

Female Non-Tobacco User Preferred Rates for USBA Long Term 20 Life Insurance

Male Non-Tobacco User Standard Rates for USBA Long Term 20 Life Insurance

Female Non-Tobacco User Standard Rates for USBA Long Term 20 Life Insurance

Male Tobacco User Rates for USBA Long Term 20 Life Insurance

Female Tobacco User Rates for USBA Long Term 20 Life Insurance

These are the current USBA Long Term 20-Year Group Level Term Life policy premiums. Rates are monthly and are based upon your age, sex, and smoking status or tobacco-use. (*Preferred Risk qualifications require that you’re a non-tobacco user and that you purchase $100,000 minimum coverage amount. See the Plan description for further details on Preferred Rate Qualifications.) Premiums for the first 20-year term, although not guaranteed, are expected to remain level. After your 20-year Term, if you are age 54 or under, you are guaranteed the option to renew for another 20-year Term regardless of your health. Premiums will be based on your then attained age and the rates in effect. Renewal rates are not guaranteed. All renewal terms starting at ages 55 & over will be on an annual basis with premium increases each year. Please see the Renewal Terms & Premium Rates section in the Plan description for further details. Contact a USBA Product Specialist at (877) 297-9235 to obtain renewal rates and rates for coverage amounts not shown.

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