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USAA Life Insurance Company and USAA Life Insurance Company of New York

USAA life insurance companies

 Company overview

Founded in 1963, USAA Life Insurance Company is one of the most trusted life insurance companies in the nation. Together with USAA Life Insurance Company of New York, we help protect our members' financial security through a range of options.

We offer term and permanent life insurance. We also have annuities to help you build a steady income when you retire.

Our USAA Life General Agency works with other select companies. They offer Medicare, health and additional life insurance options.  

Insurance and retirement options

USAA Life Insurance Company

  • Term life insurance

  • Permanent life insurance

  • Immediate annuities 

  • Deferred annuities

  • Medicare Supplement

USAA Life General Agency

  • Medicare Advantage

  • Medicare Prescription Drug Plan

  • Health insurance

  • Accidental injury

  • Vision

  • Dental

  • Cancer insurance

  • Critical illness

  • Universal life with long-term care rider

  • Survivorship life insurance

Military features of USAA Life Insurance

Extra benefits

We expedite policy setup for those getting ready to deploy. Our life policies also include coverage during times of war.

Option to replace SGLI 

If you get term life, you can add more coverage to replace SGLI when you leave the military or retire.‍ ‍ You won't need a medical exam.‍ ‍,‍ ‍,‍ ‍

Severe injury benefit 

A term life policy can pay $25,000 if you get certain injuries in the line of duty.

Financial ratings

We maintain high ratings from 3 key rating agencies. This shows that we're an organization with solid financial strength.‍ ‍ USAA Life Insurance Company has these ratings:

  • A.M. Best: A++ (Superior, highest of 16 possible ratings)
  • Moody's Investors Service: Aa1 (Excellent, second-highest rating of 21 possible ratings)
  • S&P Global Ratings: AA (Very Strong, third-highest rating of 21 possible ratings)

Who's eligible for USAA Life Insurance?

Our focus is on serving the military community, but any U.S. citizen or permanent resident can apply. This is true for all retirement options and policies offered by:

  • USAA Life Insurance Company.
  • USAA Life Insurance Company of New York.
  • USAA Life General Agency.

Support when you need it most

When a member dies, our dedicated team is there to help. They’ll help guide you on things like how to settle accounts and what estate documents you’ll need.

Learn more

Media inquiries

Are you a reporter who wants to talk to our media team? Call 210-498-0940 or email external_communications@usaa.com. Please don’t use this contact information for questions about your USAA account.

If you need help with your account, call 800-531-USAA (8722). You can also find more help in our online member service and support center. 

Related footnotes:

  1. 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.

  2. 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.

  3. 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.

  4. Military Protection Plus is an additional benefit available on USAA Secure™ Whole Life, form number ICC25517453 03-25 (may vary state by state) not available in NY. This is a combination of the Military Future Insurability Rider which 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. If the additional coverage is term insurance, the maximum level period must be selected based off the insured’s attained age as outlined in the rider. Rider form: ICC25517457 03-25 (may vary by state) not available in New York and USAA’s Military Severe Injury Benefit Rider which 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) not available in New York.

  5. As of June 1, 2026, A.M. Best: A++, Superior (highest of 16 possible ratings); Moody's Investors Service: Aa1, Excellent (second highest of 21 possible ratings); S&P Global Ratings: AA, Very Strong (third highest of 21 possible ratings). Ratings are subject to change. Ratings apply to USAA Life Insurance Company and USAA Life Insurance Company of New York not to the products or services they provide. Company ratings represent an opinion of financial strength and the company's ability to meet ongoing obligations to policyholders. Ratings refer to the claims-paying ability of the insurance company and do not reflect the safety or performance of any product. The rating agencies listed are independent of each other and use proprietary evaluation criteria and ratings scales. For the latest Financial Strength Ratings, visit www.ambest.com, www.moodys.com and www.spglobal.com/ratings.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. An annuity is a long-term insurance contract issued by an insurance company designed to provide a retirement income stream for life. Once the contract principal is converted into an income stream, you will no longer have access to your principal as a lump sum. Terms, conditions, limitations and surrender charges may apply.

  3. New York Residents — Domestic Violence Information. New York Insurance Regulation 168, titled "Confidentiality Protocols for Victims of Domestic Violence and Endangered Individuals" requires us to provide you with information related to Insurance Law 2612, which relates to discrimination based on being a victim of domestic violence, the regulatory required confidentiality of information protocols and the contact information for the New York State Domestic and Sexual Violence Hotline. You may download and print the information here (PDF).

  4. Health/Medicare solutions provided by USAA Life Insurance Company and through USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency), which acts as an agent for select insurance companies to provide products to USAA members. LGA receives compensation from those companies, which may be based on the total quantity and quality of insurance purchased through LGA. Plans are not available in all states. Each company has sole financial responsibility for its own products.

  5. Learn about USAA's use of Artificial Intelligence at usaa.com/ai.

    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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