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Home > Library and Links > Article-Life Insurance After Leaving The Army
Life Insurance After Leaving The Army

The Army taught you the value of strategy, and Army life insurance was a key part of its strategy for you. Thanks to the Army's SGLI coverage, you could concentrate on the mission, knowing that your family would be taken care of in the event of your death. Now that you're leaving the military, it's time to plan your own life strategy. And your first priority should be to help protect your family with continued life insurance coverage as a veteran.

Leaving the military means you leave government-offered Army life insurance behind.  Just 120 days after active duty ends, so does SGLI coverage. Delay in formulating your strategy for the future could result in a coverage gap, leaving your family exposed and unprotected.  As a soldier, you know this is an unnecessary and unacceptable risk.

Fortunately, life insurance for veterans from USBA offers you the tactical tools to protect your family while boldly accomplishing your life strategy, whether it's continuing to serve in the Army Reserves or National Guard, or starting fresh on a whole new path.  But which kind of protection gives you the best alternative to the life insurance you had in the Army, at a price that's right for you?

USBA is a leading provider of group life insurance for transitioning military, with all the expertise you look for in a strategic partner. We stand ready to welcome you into our ranks with a full range of life insurance plans to match your goals. 

So now that you're adjusting from battle-rattle to civvies, where does life insurance fit in?  If you're like most new vets we serve, your first priority is building your family's future. These are the years when you consider buying a house, raising kids, starting a business-big commitments that require most of your financial muscle. Is there a life insurance plan that fits your budget? No worries. We've got you covered.

For you, we recommend USBA's Long Term 20-Year Group Level Term Life Insurance Plan, where affordable premiums add up to high peace of mind.  Once you're approved, Long Term 20 offers premiums designed to remain level for the next 20 years. If you continue to pay your premiums when due, you are guaranteed the right to re-new for a second 20 years, provided you're age 54 or younger and remain otherwise eligible at that time. No medical exams, no hassle. See more plan details (including costs, eligibility, renewability, exclusions, limitations and terms of coverage) here.

How much coverage you buy is up to you and your desired budget. USBA's Long Term 20 is available in coverage amounts from $25,000 to $500,000. Preferred rates are also available for men and women who are non-smokers and lead otherwise healthy lifestyles. Contact USBA for details.

USBA understands that you don't stop being Army just because you've transitioned out of active duty. That's why Long Term 20 contains outstanding features designed with the military in mind.

  1. $15,000 Emergency Payment: Your spouse beneficiary may qualify for an immediate emergency payment of $15,000 on telephone notification of your death. (Some restrictions apply.)
  3. 30-day Unconditional Promise: Once approved, you'll receive a Certificate of Insurance-and if you're not completely satisfied with the provisions of your coverage, you can return it within 30 days, without claim, for a prompt and full refund, no questions asked.
  5. Living Benefit: USBA offers an accelerated death benefit that can pay you an amount up to 50% of your coverage in force, while you're living. (Restrictions apply: To learn more, review the Living Benefit details here.)
  7. Fully portable: Not only does your USBA policy stay in force from active duty through discharge, it can go with you when you change civilian jobs as well.
You can elect additional coverage too, from optional Children's Group Term Life Coverage to AD&D insurance protection.  And like other USBA life insurance plans, it's underwritten by New York Life Insurance Company*, one of the oldest and strongest insurance companies in America.

For all the intel on USBA's Long Term 20 Plan and our whole range of life insurance plans for veterans, call us at (877) 297-9235 from 8:00 a.m. - 4:30 p.m. CT, Monday through Friday, for live assistance (or leave a message after hours for a prompt call back).

Meanwhile, here's the upshot:  Apply now and get your family covered.  After that, you can afford to say: At ease, soldier!

*Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR.
View other Important Plan Information here.



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