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Home > Insurance Help & Plans Overview > Smart & Lean 15
USBA Smart & Lean 15 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 & Lean 15-Year Group Level Term Life Insurance logo

USBA Smart & Lean 15 Year Group Level Term

Life insurance is all about making things easier for your loved ones … helping protect them from major financial burdens … making sure their future doesn’t suffer. And USBA Smart & Lean 15 Year Group Level Term Plan can provide you with a way to help assure your family’s financial security.

Your affordable monthly premium is dependent on your age, sex and smoking status or tobacco use when you start the plan. But your starting premium, although not guaranteed, is expected to remain level for a full 15 years!* And so will your coverage amount.

Since no two families’ needs are the same, flexibility is key. The USBA Smart & Lean 15 Plan offers you a full range of coverage … from as low as $25,000 to a maximum of $500,000. You decide the amount that best suits your family’s financial needs. You’ll be glad to know the USBA Smart & Lean 15 Plan is also available to your spouse and eligible children ages 18-22 as Associate Members.

*See Monthly Premium Rates for details.

Before you begin the application process, be sure to review the Smart & Lean 15 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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