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Home > Insurance Help & Plans Overview > Smart Value 10
USBA Smart Value 10 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 Smart Value 10 Year Group Level Term Life Insurance logo  

USBA Smart Value 10 Year Group Level Term 

Life insurance is all about making sure your family’s financial future doesn’t suffer without you. And the USBA Smart Value 10 Year Group Level Term plan is specifically designed to help provide you with an easy way to do just that.

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

Before you begin the application process, be sure to review the Smart Value 10 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 10-year term are expected to remain level. Renewal rates for subsequent 10-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.

USBA Smart Value 10 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 Standard Tobacco User Rates
Female Standard Tobacco User Rates

Male Non-Tobacco User Preferred Rates for USBA Smart Value 10 Life Insurance

Female Non-Tobacco User Preferred Rates for USBA Smart Value 10 Life Insurance

Male Non-Tobacco User Standard Rates for USBA Smart Value 10 Life Insurance

Female Non-Tobacco User Standard Rates for USBA Smart Value 10 Life Insurance

Male Tobacco User Rates for USBA Smart Value 10 Life Insurance

Female Tobacco User Rates for USBA Smart Value 10 Life Insurance

These are the current USBA Smart Value 10 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 10-year term, although not guaranteed, are expected to remain level. Renewal rates for subsequent 10-year terms (available upon request) will be based on your then attained age, and coverage will be renewed regardless of your health. Renewal rates are not guaranteed. Contact a USBA Product Specialist at (877) 297-9235 to obtain renewal rates and rates for coverage amounts not shown.

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