What Your Morning Latte Has in Common with Life Insurance

Small Comforts, Big Perspective

That first cup of coffee has a purpose. Whether you make it at home or grab it on your way to work, it’s more than caffeine—it’s comfort, routine, and a small choice that starts your day right.

Most of us make dozens of choices like that every day. We spend a few dollars here and there on the things that make life a little easier, a little more enjoyable. And that’s perfectly fine. But sometimes it’s worth asking, what if one of those everyday habits could be redirected toward something that lasts much longer than your morning brew?

What You Spend Each Month Could Build Something Bigger

Think about those recurring costs that fade into the background: a favorite latte, a subscription you forgot to cancel, a lunch order that’s become a habit. They don’t seem like much—until you add them up.

Now, imagine using a small portion of that budget for something that helps protect your family’s future. Term life insurance coverage through The Uniformed Services Benefit Association^® (USBA^®) can start at a monthly rate that’s often in the same range as those small comforts.

For example, our 5-Year Group Level Term Life Insurance allows Members to apply for valuable protection that fits both lifestyle and budget. Premiums vary based on gender, age, coverage amount, and nicotine use, but for many, the cost is comparable to a couple of coffees a week.

The latte gives you energy for the day; life insurance coverage helps give your family stability for the years ahead.

Everyday Choices That Add Up to Long-Term Confidence

Here’s the thing, financial protection isn’t about giving things up. It’s about knowing what really matters. Maybe you brew your coffee at home more often. Maybe you skip a subscription or rethink an expense that’s more habit than joy.

Those small, mindful trade-offs don’t just save a few dollars. They create room for something with lasting value—coverage that can help protect the people you love if something unexpected happens to you.

And with life’s uncertainties, that protection matters more than most people realize.

Applying Is Easier Than Ever

If convenience has kept you from applying before, it might be time to take another look. USBA’s 5-Year Group Level Term Life Insurance now features QuickDecision^SM, an innovative process that helps speed up your application.

You can apply online and receive a real-time decision—often in under 30 minutes.

No medical exam. No lab work. Just answer a few secure health questions online, and you’ll see your application decision faster than ever.

That’s coverage made for real life—because your time is valuable, and your family’s protection shouldn’t wait.

Why Acting Now Matters

It’s tempting to wait—to tell yourself you’ll look into life insurance “when things settle down.” But the truth is, the best time to apply is usually sooner than we think.

The younger and healthier you are, the more favorable your rates tend to be. Acting now helps you secure a lower rate—so you pay less and your protection stays strong.

When you think about it, applying for coverage today is another small decision that builds toward something bigger. It’s an act of care, as simple and consistent as your morning routine.

The Bottom Line: Little Things Add Up

Life isn’t made of big moments alone; it’s built from all the small ones in between. The cup of coffee. The monthly membership. The quick decision to protect what matters most.

That’s where life insurance fits in. It turns small, steady choices into something lasting, something your family can count on when it matters most.

And with USBA’s Member-only rates and the convenience of QuickDecision, applying for coverage has never been more straightforward.

So tomorrow morning, as you take that first sip, remember: a few minutes today could help safeguard tomorrow.

Learn More About USBA’s Term Life Insurance Coverage

Disclosure: QuickDecision uses data sources to verify your health history, so there are no medical exams or lab tests to receive a decision on your insurance application. Any approval decisions on applications are conditional upon confirmation of your group status and coverage limit eligibility. A referral decision may be given if an underwriter needs to further review your application and may reach out to confirm details or request additional information. QuickDecision may not be available in all states and territories.