Why is it so important that my spouse and I both have life insurance protection? With too little coverage, your family is likely to suffer financially if either of you dies. You'll still have most of the same expenses for housing, car, food and clothing, etc. And there may be new costs for things such as childcare and housekeeping. That can happen no matter which of you dies. You both need protection.

What makes TWO for ONE so unique? Previously, in order to get insurance protection for two, you had to buy two life insurance plans. Of course, you also had to pay two premiums. Now, TWO for ONE provides protection for both of you equally for just one low premium.

If buying two plans was necessary in the past, how can USBA offer protection for my spouse and me now with only one low premium? TWO for ONE is designed to pay only one death benefit, on whomever dies first. However, if both of you die from the same accident within 15 days of each other, TWO for ONE pays two death benefits. When you review the Monthly Premium Rates, you'll discover just how affordable the plan is.

Is there an age limit on eligibility for TWO for ONE protection? Yes. You may apply for coverage if you and your lawful spouse are age 64 and under. Coverage may be continued so long as both you and your spouse are under age 70. See the "Continuation of Coverage" Section for details of coverage termination prior to age 70.

How much coverage is available? You may choose any amount of coverage, from $50,000 up to a maximum of $400,000, with equal coverage for both lawfully married spouses in increments of $50,000.

Is it possible to protect my dependent children? Yes. You can protect all your eligible dependent children with term life coverage for just $1.50 more per month. Eligible dependent children are those, age 14 days through 22 years, who are not eligible for USBA Membership. Stepchildren must be dependent on the USBA Member for over 50% of their support.

Will my family be protected in the event of a service-related or combat death? Yes. Service-related and combat deaths receive full benefits. With USBA, there is no war clause, just like when we were founded in 1959. Limitations: Military Flyers – If your death results from service as a pilot or crew member of a military aircraft (or giving or receiving any kind of training or instruction while on board any military aircraft) before age 36, one-half benefits are payable. Full life insurance benefits are payable for other causes of death. (Military flyers are not eligible for Preferred Rates.) Area of Armed Conflict  (This limitation does not apply to: insured members who are on active military duty, including the National Guard & Reserve; death due to accident or illness; or to any coverage amount in force with USBA prior to 1/1/07.) If your death results from hostilities in an “Area of Armed Conflict,” the aggregate maximum benefit payable under all USBA Group Life Plans will be limited to $100,000. (Note: Please contact USBA for a listing of the geographic areas currently designated as an “Area of Armed Conflict.” See your Certificate of Insurance for further details.)