TWO for ONE Policy is Tailor-Made for Dual-Income Families

TWO for ONE Policy is Tailor-Made for Dual-Income Families


USBA TWO for ONE plans

If you’re like most people, you understand the importance of providing financial security for your family through life insurance. But if you have a dual-income family, do you really need two separate insurance policies and pay two separate premiums?

Consider TWO for ONE® Group Level Term Life Insurance from USBA. It may be exactly what you need.

With TWO for ONE, you and your spouse are both covered at the same level – and you pay a single premium. The policy pays the benefit on whomever dies first. And the surviving spouse can continue life insurance coverage at the same or lower level without going through the underwriting process, providing a hassle-free experience when it’s needed most.

The TWO for ONE policy offers one other unique and important benefit. If you and your spouse die within 15 days of each other as the result of the same accident, your beneficiaries can receive payment for both lives. That’s double the face amount of your coverage.

TWO for ONE Basics

Here’s a quick rundown of key policy features:

  • Ideal for a two-income family
  • $100,000 of coverage starting at $6.00 per month1
  • Coverage amount: $50,000 to $400,000 (in multiples of $50,000)
  • Coverage age: 64 and under
  • Can be continued after retirement or military separation
  • Optional children’s coverage: $1.50 per unit
  • Optional AD&D coverage: $2.00 per month

As with all our life insurance policies, the TWO for ONE policy is subject to our 30-day unconditional promise. Once your application has been approved, you’ll be issued a Certificate of Insurance. 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.

Want to Find Out if TWO for ONE is Right for You and Your Family?

Visit our website for all the details you need, including:

  • Frequently asked questions about TWO for ONE
  • Policy details, including the fine print
  • Online application
  • Coverage estimator tool

If you’d like to talk with one of our Product Specialists, call us at 877-297-9235. We’d be happy to help you consider your options.

1Example premium for a couple, under the age of 31 with five years or less age difference, both of whom qualify for Preferred Rates. Rate based on older spouse’s attained age at issue. For more information see policy details.

TWO for ONE is a registered trademark of USBA.

USBA is a not-for-profit Association that provides group life insurance, health insurance supplements, and other products and services to military personnel, Federal employees, National Guard and Reserve members, Veterans and their families.

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