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Welcome to USBA!
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
877-297-9235 Sales
800-821-7912 Member Support
Home > Insurance Help & Plans Overview

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.

Step 1: Estimate your life insurance needs
STEP 1: Life Insurance Needs Estimator
Determine the right level of life insurance for you and your family here.
Step 2: Determine what type of life insurance is right for you
STEP 2: Insurance Plan Recommender
Unravel whether Term or Whole Life is right for you here.
Step 3: Estimate your life insurance premium
STEP 3: Get A Rate Quote
Based on coverage amount & type of plan, estimate your premium here.
Step 4: Use our handy online application or request a free information rate packet 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.
Library of Insurance Topics & Links
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.
Read current military news in our USBA News Blog News Blog
VGLI Application Period Extended Due to COVID-19
IDShield™ Adds New Enhanced Online Protection Service
Pentagon Lifts COVID-19 Travel and Moving Restrictions as of June 29


Life Insurance Plans

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.

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.

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!

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.

Basic Value Group Level Term

Our most affordable plan for younger ages. Pure life insurance protection with no savings element.

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.

50+ Group Whole Life

If you’re 50 or over, and want lifelong coverage with guarantees, 50+ is recommended. Buy it through age 69 and keep for the rest of your life.

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.

First Steps℠ Group Whole Life Coverage

Adult sized protection … Child sized premiums! “Permanent” life insurance protection for your children that also accumulates cash value.

Health Insurance Plans

TRICARE Supplements

If you are an eligible TRICARE military family or retiree beneficiary, you may be eligible for one of our USBA TRICARE supplement plans that covers you in addition to what TRICARE pays.

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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