Two Hearts, One Policy: Understanding USBA’s TWO for ONE® Group Level Term Life Insurance

Love That Lasts Beyond the Moment

Love looks different when you’ve shared years of plans, laughter, and late-night talks about what’s next. It’s not just about giving flowers and chocolate once a year—it’s about knowing you’re building something together that lasts.

That’s why the idea of protecting each other matters so much. Because when you share a life, you also share the responsibility of safeguarding it.

And that’s exactly what Uniformed Services Benefit Association^® TWO for ONE Group Level Term Life Insurance was created for—one policy, one premium, and protection that covers both you and your spouse under the same plan.

It’s practical. It’s intentional. And it fits the way two people share a life.

How Joint Life Insurance Works for Two People

Most of us think of life insurance as something individual, “my policy,” “my coverage,” “my premium.” TWO for ONE changes that perspective. It’s a joint approach built around partnership. If either insured person passes away while the policy is active, the full benefit amount goes to their designated beneficiary.

And when life moves forward, as it inevitably does, the surviving spouse has the option to continue coverage with USBA^®, often at the same or lower amount—without going through new underwriting. Because in life and in loss, simplicity matters.

That’s the kind of protection that quietly says, I’ve thought this through.

Family-Focused Term Life Insurance Coverage

You can choose the amount that makes sense for your family—from $50,000 up to $400,000, in increments of $50,000. And if both of you lead healthy lifestyles, you may qualify for preferred rates that reward good habits.

For those who want a little more protection, there are simple options to expand coverage—like Children’s Term Life Coverage for unmarried children ages 14 days through 25 years, or Accidental Death & Dismemberment (AD&D) coverage for an additional layer of security. It’s flexible protection that grows with you, not against you.

Life Insurance Designed for Military, Federal Employees and their Families

What really makes TWO for ONE unique isn’t just how it works; it’s what it represents. For more than six decades, USBA has stood beside our military, veterans, federal employees and their families through every stage of life. That same dependability extends to this policy: even if you retire or separate from service, your coverage can continue with no premium increase or decrease in coverage simply because life changes.

That kind of stability reflects USBA’s purpose—to help our Members protect what matters most.

Protect What You’ve Built Together

So, this February, as reminders of love appear everywhere, think beyond the flowers, cards, and chocolates. The most lasting gestures are the ones that protect, prepare, and provide peace of mind.

Learn more about USBA’s TWO for ONE Group Level Term Life Insurance and see how one plan can help protect two hearts and the life you’ve built together.

Because love isn’t just something you feel—it’s something you protect.