Level Premium — Your premiums will never increase regardless of your age or health – guaranteed!

Level Death Benefit — As long as premiums are paid, the death benefit doesn’t decrease – guaranteed!

Cash Value — After the first few years, USBA’s Group Whole Life has increasing cash values. If terminated after cash value has accrued, it may be surrendered for its cash value or may be exchanged for an amount of paid-up insurance. The reduced paid-up insurance continues to build a cash surrender value.

Loans - After the first few years, USBA’s Group Whole Life has increasing cash values. If terminated after cash value has accrued, it may be surrendered for its cash value or may be exchanged for an amount of paid-up insurance. The reduced paid-up insurance continues to build a cash surrender value.

Emergency Death Benefit — If your spouse is the beneficiary of your policy (and all other qualifications have been met), an emergency payment of 50% of the proceeds, up to $15,000, may be paid on phone notification of your death.

Full Coverage for Pilots & Crew Members — Unlike some plans, USBA Group Whole Life insures pilots and crew members with no reduction in the death benefit.

POW/MIA Protection — USBA provides its members with a POW/MIA Protection Benefit. We will pay your premiums for all USBA sponsored Group Life coverage in force at the time the Department of Defense lists you as missing in action or as a prisoner of war. This benefit continues until you are no longer a POW or MIA, or until your coverage would normally end, whichever occurs first.

No War Clause — You are covered for combat and service related fatalities.

• 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 $100,00 (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.)

Reduced Paid-Up Insurance — This is an amount of life insurance for which you can surrender your Group Whole Life Insurance and on which no further premiums are required to keep it in force. Complete details are in the certificate.

Minimum/Maximum Coverage — As a Member or Associate Member, you may request Group Whole Life coverage in amounts from $5,000 to $400,000 (in $1,000 increments). Note: The overall maximum coverage amount available to each Member/Associate Member under all USBA-sponsored Group Life Plans is $650,000. Optional AD&D coverage is not considered life insurance.

Coverage You Can Keep —USBA’s Group Whole Life Plan may be continued after retirement or military separation. And there’s no increase in premium or decrease in coverage, just because you separate. Veterans and Federal employees also qualify for USBA coverage.

30-Day Unconditional Promise — Once your application is approved, you’ll be issued a Certificate of Insurance. If you are not completely satisfied with the provisions of your Certificate, you can return it within 30 days for a prompt, full refund.

Individual Certificate — This page outlines the principal provisions of the USBA Group Whole Life Plan. Complete details are in Group Policies G-10648 and G-5393 (Policy Form GMR) delivered to USBA at its headquarters in Overland Park, KS by New York Life. Each insured Member/Associate Member will receive a certificate which summarized the policy provisions affecting his or her coverage

The Company Behind the Plan — This plan is underwritten by New York Life Insurance Co ... one of the oldest and largest life insurance companies in America.