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Home > Library and Links > Article-Reinforcements at the Ready
Reinforcements at the Ready

USBA life insurance for armed forces

Back in the 20th century, warfare ran on rules of engagement. You had a defined enemy, a clear objective in battle, and a sense of how to calculate the cost of victory.

The same was true of life insurance. You could estimate how much you’d pay for medical care. Even if the worst should happen, you had a ballpark idea how much coverage you’d need in order to insure that your spouse could handle your final expenses and send your kids to college.

Today’s conflicts don’t obey the old rules of engagement. From political unrest to exotic illnesses to natural disasters, literally anything can rise up to threaten your future. You need to be 110% prepared, 120% of the time. You need to rewrite the rules of engagement in your favor.

You may want to start by supplementing your Armed Forces life insurance. Under the old rules of engagement, SGLI (Servicemembers Group Life Insurance) was probably more than enough for your needs. This low-cost benefit automatically extends $400,000 in coverage to every active member of the Army, Navy, Air Force, Marines, and Coast Guard–as well as many members who are active for training or even active part-time in the National Guard or Ready Reserves. In addition, the VA recently added $100,000 for Traumatic Injury.

Excellent, yes. Adequate? Just maybe. When you consider today’s skyrocketing medical and living expenses–and the stresses on the VA’s healthcare system for veterans and active military–even $500,000 in coverage may not tip the rules of engagement in your favor.

Suppose you’re a Service member with a spouse and young children. One catastrophic medical diagnosis for your family could inflict financial devastation on your loved ones.

Cancer, for example. It’s an enemy that plays by no rules of engagement. According to Cancer Facts and Figures 2013, men in the US have slightly less than a 1 in 2 lifetime risk of developing cancer. For women, the risk is a little more than 1 in 3.

Your kids may also be more vulnerable than you think, according to a 2014 issue of CA: A Cancer Journal for Clinicians. This year, on average, 1 in 408 children under age 15 will be diagnosed with cancer in the U.S. And we all know cancer treatment can be extremely costly.

You can buy additional Armed Forces family coverage (FSGLI) for your legally married partner and dependent children, but the cap for your spouse is only $100,000, and FSGLI allows just $10,000 for each child. In a fight that threatens one of your own, can you tolerate limits like that?

That’s why USBA has reinforcements at the ready–like our Cancer Care Insurance Plan, an affordable supplementary policy that helps you and yours to weather not just the direct medical costs of a cancer diagnosis, but the hidden expenses as well–lost earnings, travel, special equipment and so on. See Cancer Care Insurance Plan facts here.

Need more reinforcements? USBA is here for you. Our Children’s Term Life is another reinforcement that can make the difference. This low-cost term insurance is designed to protect all your eligible children (unmarried children age 14 days through 22 years) who are not eligible for USBA Membership. The more group life insurance coverage you have with USBA, the more units of Children’s Term Life you can purchase for your kids. What’s more, the dollar amount of coverage we offer grows along with them.

See Children’s Term Life Coverage facts here.

With 55 years of experience serving the needs of military members and veterans like you, USBA understands just how outgunned you can feel when you’re trying to match wits with a changing world. Sailor, Soldier, Aviator, Marine–reservist, veteran, or even ROTC cadet–we have your reinforcements here.

Questions? We’re happy to help! Call us at (877) 297-9235 from 8:00 a.m. - 4:30 p.m. Central Time, Monday through Friday, for live assistance (or leave a message after hours for a prompt call back).


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