20 Year Group Level Term Life Insurance

Yes. You’re guaranteed the right to renew your coverage provided premiums are paid and the Group Policy is still in force. Renewal terms and premium rates are available on request. Contact a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time.

Yes. Insurance is available to those ages 18-54, and can continue until your 75th birthday provided premiums are paid when due and the Group Policy remains in force. Please review the Policy Details for more information, or call a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time.

Yes, USBA’s Terminal Illness Payment benefit can pay you 50% of your coverage in force while you’re still living.

To qualify, you must have at least $50,000 of coverage in force, be under age 74 and show documentation of a diagnosis that results in an expected life span of 12 months or less (24 months or less for Illinois residents).

The amount of insurance payable at death will be reduced by the accelerated payment plus any premiums deferred as a result of the accelerated payment. Receipt of accelerated benefits may affect your eligibility for public assistance programs. Consider consulting a financial advisor or attorney before you apply for this benefit to determine how it could affect your personal situation.

Yes. Healthy people with healthy lifestyles may receive a discount. Lower Preferred Rates are available to qualified USBA insureds, starting at $100,000 of coverage. Please review the Policy Details for more information, or call a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time.

No. The coverage amount you choose will remain the same regardless of your age or health.

Yes. You have two options to insure your children. USBA’s Children’s Group Whole Life starting at $1.60* per month. See the Children’s Group Whole Life policy for more details. Or you can insure all of your eligible dependent children (unmarried children ages 14 days through 25 years) who are not eligible for USBA Membership with term life coverage for just $1.50 per unit per month. See the Children’s Group Term Life policy for more details, or call a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time.

Yes. A Member’s lawful spouse, age 54 and younger, and unmarried eligible children, ages 18-25, may apply for their own Group Life Insurance coverage as Associate Members of USBA. Find out more in the Policy Details or call a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time.

Yes. Service-related and combat deaths receive full benefits. With USBA, there is no war clause, the same as when we were founded in 1959.

Area of Armed Conflict Limitation – (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 Policies will be limited to $100,000. (Note: Please contact a USBA Product Specialist at 877-297-9235 M-F 9am to 4pm Central time for a listing of the geographic areas currently designated as an “Area of Armed Conflict.” See your Certificate of Insurance for further details.)

Yes. Provided you keep paying your premium and coverage is in force, you can keep your coverage even after your military or federal employment ends. You won’t be asked to pay higher rates because you retire or separate from military or federal service.

You may request USBA 20 Year Group Level Term coverage in amounts from $25,000 to $500,000 (in $1,000 increments). Note: The overall maximum coverage for each Member/Associate Member is $650,000 under all USBA-sponsored Group Life Insurance Policies, with the option for those ages 69 and below, if approved, to add up to an additional $100,000 of Traditional Whole Life (G-10648-0), for a maximum of $750,000.