Life Insurance for Single Military Parents

As the sole responsible party, there’s no ’backup’ when you’re the one holding everything together. Single military parents face a heavy burden, making it essential to have a plan that protects what matters most: your child’s future. 

Life insurance isn’t just a formality or something to ignore. When you’re a team of one and in uniform, it becomes an essential part of the safety net you set up for your family. We’re here to help you understand why coverage is important, what options are right for you, and how Uniformed Services Benefit Association^® (USBA^®) can support you just as we have for generations of military families.

Life Insurance for Military Families

For many service members, Servicemembers’ Group Life Insurance (SGLI) offers up to $500,000 in coverage during active duty. But what happens when your service ends? SGLI doesn’t automatically follow you into civilian life, and converting it into Veterans’ Group Life Insurance (VGLI) can come with higher costs and limitations.

That’s why it’s important to begin exploring alternatives to SGLI and VGLI early. When you are the sole parent in the picture, there’s no room for mistakes, and no one else to rely on if something unexpected happens. The right life insurance policy provides the confidence that, no matter where your orders take you, your child will be protected.

Why a Single Parent Needs a More Robust Plan

Being a single parent in the military probably means managing everything with one income and one schedule. From childcare costs and school supplies to unexpected moves and long deployments, your household depends entirely on your presence and planning.

Lendingtree reports that raising a child to age 18 costs about $297,674 on average. This estimate excludes college and emergency costs. Without a co-parent or shared financial resources, your child’s stability depends entirely on the protections you establish now.

Life insurance makes sure that if the unthinkable happens, your child’s life remains secure. It’s not about fear. It’s a conscious choice that keeps your child protected, no matter what.

Choosing the Best Military Life Insurance as a Single Parent

Not all life insurance is built with military life or single parenting in mind. Here’s what to look for when evaluating your options:

• Portability: Does the policy stay with you after your military service ends?
• Affordability: Are the rates sustainable long term, especially on a single income?
• Stability: Are your premiums fixed, or do they rise over time?
• Provider trust: Look for clear terms, strong customer support, and a long-standing track record.

At USBA, we have decades of experience supporting military families. Our goal isn’t to sell you more but to offer coverage that lets you focus on what matters most—your family.

Your Options at USBA: Child Life Insurance

Every family is different, and so is every coverage option. At USBA, we offer flexible, exclusively priced coverage that can grow with your family.

20-Year Group Term Life Insurance

A strong foundational plan for single parents. 20-Year Group Term Life Insurance provides consistent coverage through some of your child’s most important years, and it’s portable, meaning it stays with you whether you’re active duty, separating, or fully transitioned into civilian life.

Children’s Group Term Life Insurance

Already have a policy, or looking at getting one? This optional rider can be added to your own plan, providing member-only coverage for your unmarried children ages 14 days through 25 years. It’s a simple way to start building their protection early.

Children’s Group Whole Life Insurance

Looking for a way to plan further ahead? This standalone policy offers lifetime coverage for your child—no matter what age they turn, what occupation they choose, or whatever health conditions occur, their coverage cannot be cancelled provided the premiums are paid when due. It’s a way to provide them with lasting protection now and a foundation they can carry into adulthood, no matter where life takes them.

You can explore these options and more by using the USBA quote generator to find the coverage that’s best for you. You can also call one of our product specialists today at 800-368-7021! They’re available to answer your questions and help you understand your options.

Moving Forward, One Step at a Time

You don’t need to figure out every detail right now. However, taking that initial step—such as researching your options and understanding which coverage suits your life—can help lighten a burden you’ve likely been carrying for some time.

At USBA, we’ve helped thousands of military families like yours find protection that fits, without pressure. Explore at your own pace. Ask questions when you’re ready. We’re here for the long haul.