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What's term life insurance?

It's coverage that typically lasts from 10 to 30 years. Your payments and coverage remain the same during the term you select when you purchase your policy.

Term life insurance may be the most budget-friendly way to help your loved ones pay for things like your mortgage, kids' education, funeral costs, medical bills and other expenses.

Life insurance designed with the military in mind

We have features designed for our military members included in our term life insurance policies. Military Protection Plus‍ ‍ See note 1,‍ ‍ See note 2 could help protect your family financially, whether you're active duty, deploying or separating.

Watch the video to learn more about it.

Life Insurance Designed with the Military in Mind

Video Duration: 1 minute 28 seconds

Military Protection Plus: Elapsed time 0 seconds [00:00]

USAA designed life insurance with the military in mind.

The USAA military protection plus is an additional benefit added to USAA term policies at no additional cost.

It helps you plan for your future by protecting your ability to get life insurance when you separate or retire from military service no matter if your health is changed.

It also can provide up to $25,000 for traumatic injuries.

So, here's how it works.

While you're on active or reserve duty, acquire a USAA term insurance policy that will supplement your SGLI coverage and when you separate or retire you can increase your USAA coverage by using your military protection plus benefits.

This will let you replace up to 2 times the coverage you already have with USAA up to the full amount of SGLI coverage you had in place.

You won't need to go through any medical exams or answer any health questions.

Your life will have many changes. Let us help protect your ability to provide for those that you love and give you the peace of mind that you want.

Thank you for your service to our country. For more information visit USAA.com/MPP or call 1-800-531-LIFE to speak with a life insurance specialist.

End: Elapsed time 1 minutes 28 seconds [01:28]

Features that fit your unique needs

Lasting protection for your family

An individual policy can cover your entire family. Employer-paid coverage ends if you lose your job or change careers, so term life insurance could help protect you and your family no matter where you work.

Expedited coverage if you deploy

If you're getting ready to deploy, your application goes to the front of the line. We want to help make sure your protection is in place before you leave.

Coverage with extra features for military members

Protection equal to Servicemember's Group Life Insurance (SGLI)

When you separate or retire, you can add coverage equal to your SGLI without a medical exam.‍ ‍ See note 3

Severe injury benefits

Policies may cover up to $25,000 if you suffer certain injuries in the line of duty.

Coverage during wartime

You'll still be covered if your death is caused by war or an act of terrorism.

Why choose term life insurance through USAA?

You can trust that we'll be there for the people who matter most to you. Our Survivor Relations team is here to help your family understand their options and next steps to take after the loss of a loved one.

Term life insurance resources for military

Military spouse life insurance: A complete guide

Article: 4 minutes

Read article: Military spouse life insurance: A complete guide

Military life insurance: Is SGLI enough?

Article: 5 minutes

Read article: Military life insurance: Is SGLI enough?

Veterans life insurance: What you need to know

Article: 5 minutes

Read article: Veterans life insurance: What you need to know

Have questions about term life insurance?

You can call us to speak with a licensed agent or schedule a call.

Call 800-531-LIFE (5433)

For TTY devices, dial

Hours of operation for USAA Life Insurance

Monday to Friday
7:30 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. Military Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Level Term V: coverage is level for the duration of the policy. Premiums remain level for the duration of the Initial Benefit Period, then increase annually. Term Policy Form ICC2099555 01-20 (may vary by state); in New York, New York Term Series V: Form NLT99235NY 06-20. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Severe Injury Benefit Rider not available in New York. Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form LBR97953ST 03-14 and ICC1497953 03-14 (may vary by state); in New York, Form NBR97955NY 04-15.

  2. Military Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Eagle Express Life Insurance: coverage and premiums remain level for the duration of the policy. Term Policy Form (ICC24516783 11-24) (may vary by state). Not available in New York. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form ICC23509575 11-23 (may vary by state). Military Severe Injury Benefit Rider not available in New York.

  3. Increases in coverage more than two times the base policy face amount up to the current maximum Servicemembers' Group Life Insurance (SGLI) amount depends on your health and is subject to underwriting approval.

Related footnotes:

  1. No Department of Defense or government agency endorsement.

  2. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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