USBA Whole Life with Cash Value and Guarantees

If you’re age 50 or older and want permanent lifetime coverage with cash value and guarantees, 50+ Group Whole Life may be right for you.

50+ Group Whole Life Insurance

50+ comes with USBA’s Five Point Guarantee:
  • The cost will never go up
  • The coverage amount will never go down
  • You can keep it as long as you choose1
  • Your coverage builds cash value on a guaranteed schedule of benefits
  • If you’re not happy with your coverage after you get it, you have a full 30 days to return it for a complete refund
All guarantees are backed by the claims-paying ability of the issuer.
If you are age 50 through 69 and want $5,000 to $25,000 in whole life coverage you can use our 50+ Simplified Application:

  • If you want more than $25,000 in coverage, and are age 50 through 69, click here for USBA Group Whole Life.
  • Note: Residents of Washington state must be under age 65 to apply for coverage under this plan.
Once approved, you’ll never have to re-qualify for coverage because this is permanent. Even if your health changes in the future, you’ll never lose your coverage as long as you pay your premiums on time.
Frequently Asked Questions


USBA 50+ Group Whole Life Insurance Plan Details


50+ Group Whole Life Insurance eKit

Free Kit

Coverage Estimator

Are you aware of how much life insurance you may need? Determine your life insurance coverage based on cost or your specific financial needs. Or if you want to speak with one of our Product Specialists, call or email us and we’ll get back to you at a time convenient for you.