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Home > Insurance Help & Plans
Overview
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Insurance Help
Walk through Steps 1-4 below for the basics on how to select the
right amount and type of life insurance coverage for you and your family.
Choose a USBA Life or Health Insurance plan from our selection
to the right. If you need more help making a decision, check out our Library
of Insurance Topics & Helpful Links, as well as our current Blog
with up-to-date insurance news.
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STEP 1: Life Insurance Needs Estimator
Determine the right level of life insurance for you and your family here.
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STEP 2: Insurance Plan Recommender
Unravel whether Term or Whole Life is right for you here.
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STEP 3: Get A Rate Quote
Based on coverage amount & type of plan, estimate your premium here.
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STEP 4: FREE Info Packet or Apply Online
Need more information?
Order a free info packet with plan details & an application. Or
apply now using our handy online form.
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Library of Insurance Topics & Links
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New! USBA’s
Insurance Topic Library is a growing wealth of information on life insurance
and military-career related topics to help you better understand insurance and how
to select the right protection for yourself and your loved ones. Check back
often as new Topics will be posted regularly.
In the Library, you’ll also find more information by following our collection
of valuable insurance industry and military-related
Links.
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Life Insurance Plans
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Long Term 20℠ Year Group Level Term
Rest assured knowing you are covered affordably for the next 20 years. Coverage
won’t decrease and premiums, although not guaranteed, are designed to remain
level.
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Smart Value 10 Year Group Level Term
Easy-to-budget 10-year level term insurance. You select the amount of coverage
your family needs – from $25,000 to $500,000.
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Double Value TWO for ONE® Family Group Level Term
One insurance policy that covers both legally married spouses equally and pays on
the first to die. Optional Children’s Coverage protects the whole family!
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Smart & Lean 15 Year Group Level Term
Offers family protection at a price that won’t destroy the family budget.
Your starting premium, although not guaranteed, is expected to remain level for
a full 15 years.
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Basic Value Group Level Term
Our most affordable plan for younger ages. Pure life insurance protection with no
savings element.
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Life-Time Value Group Whole Life
Permanent coverage with an increasing cash value. Once approved, your premium is
guaranteed never to increase, coverage is guaranteed never to decrease, and the
policy accrues a cash value while it’s in force.
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50+ Group Whole Life
If you’re 50 or over, and want lifelong coverage with guarantees, 50+ is recommended.
Buy it through age 80 and keep for the rest of your life.
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Children’s Term Life Coverage
A low-cost term plan designed to protect eligible children (unmarried; ages 14 days
through 22 years) who are not eligible for USBA Membership.
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First Steps℠ Group Whole Life Coverage
Adult sized protection … Child sized premiums! “Permanent” life
insurance protection for your children that also accumulates cash value.
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Health Insurance Plans
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TRICARE Standard/Extra Supplement
If you are an eligible TRICARE military family or retiree beneficiary, you may be
eligible for supplementary coverage in addition to what TRICARE pays.
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TRICARE Reserve Select Supplement
Available as a supplement to TRICARE Reserve coverage for eligible Guardsmen and
Reservists. An economical way to help cover what TRICARE Reserve doesn’t.
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CHAMPVA Supplement
When combined with your CHAMPVA benefits, USBA CHAMPVA Supplement Plan provides
you with the protection for those out-of-pocket costs that can occur when a serious
covered accident or sickness occurs.
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Cancer Care
Help protect your family from the high cost of cancer treatment with USBA’s
cancer benefit coverage, underwritten by Monumental Life Insurance Company (Cedar
Rapids, IA). You’ll be pleasantly surprised by our competitive cost.
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Hospital Indemnity
When you’re hospitalized, with this insurance, benefits are provided from
the first day of covered hospitalization and are payable up to one full year!
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