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CURRENT
MONTHLY PREMIUM RATES
IMPORTANT RATE INFORMATION: Coverage is equal for both lawfully married spouses. It
is available in units of $50,000 up to a maximum of $400,000. The
coverage amount stays the same regardless of your age.
*"Non Smoker" rates apply to couples who have not used tobacco or nicotine in any form during the 24
months before they apply. If either spouse has used tobacco or nicotine during this period "Smoker" rates apply.
Rates are based on a couple's age difference, "smoking" status, and the older spouse's age. Rates increase on June 1st after entering
a new age group. Coverage may be purchased up through age 64, and
may be continued until June 1st following the older spouse’s 70th
birthday.
Benefits
may be changed by agreement between New York Life and USBA. Only
current rates are shown. Rates are not guaranteed and are subject
to change by New York Life. These changes can occur only on the
policy anniversary or on the date any benefits change. Any benefit
changes would be made on a group basis.
PLEASE
NOTE: Since 1959, the year USBA was founded, we have NEVER had
to increase our rates on existing insureds.
PREFERRED
RATES
What’s
Preferred Rating? If you and your spouse are healthy and lead a
healthy lifestyle, you may qualify for our preferred rates at substantial
savings over our already low standard rates. And it’s available
in coverage amounts from $100,000 to $400,000 in $50,000 increments!
Preferred rates are not available for individuals who smoke, who
have high-risk hobbies like sky-diving or scuba-diving, or who are
employed in certain high-risk occupations such as pilots and crew
members. Remember, even if you can’t qualify for preferred rates,
you may still be eligible for our affordable standard rates. Either
way, you can get great coverage for an extended time at a low price!
Preferred
Rates (For couples with 5 years or less age difference.)
Preferred
Rates (For couples with more than 5 years age difference.)
Standard
Non-smoker Rates (For couples with 5 years or less age difference.)
Standard
Non-smoker Rates (For couples with more than 5 years age difference.)
Standard
Smoker Rates (For couples with 5 years or less age difference.)
Standard
Smoker Rates (For couples with more than 5 years age difference.)
* Non Smoker" rates apply to couples who have not used tobacco or nicotine in any form during the 24 months before the apply. If either spouse has used tobacco or nicotine during this period "Smoker" rates apply.
*Smoker" rates apply when the Member or Spouse has used tobacco or nicotine in any form during the 24 month period before they apply.
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