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

Life insurance for your family’s future

We offer term life and permanent life policies to fit your needs.

Get help choosing a life policy

Call 800-245-6403

For TTY devices, dial 711

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.

Anyone can benefit from life insurance.

Families with children

Your coverage helps your spouse continue the care you provided. Plus, it could help pay for college.

People without kids

Coverage can help pay off debt, offset funeral costs and pay estate taxes. You can also borrow money against some policies for retirement.

Military members

A life insurance policy can supplement SGLI and may be cheaper than VGLI.

Why choose life insurance through USAA

Flexible coverage

Many of our policies allow you to increase your coverage after certain life events.

Dedicated support

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.

Financial strength

Our life insurance company gets these high ratings‍ ‍ See note 1:

  • A.M. Best: A++
  • Moody's Investors Service: Aa1
  • S&P Global Ratings: AA

Caring environmental partner

We’re committed to doing our part to preserve the environment for future generations.

Policies designed with military in mind

We know military life can be challenging. Some of our policies have extra features for the military.‍ ‍ See note 2,‍ ‍ See note 3

  • Add term coverage equal to your SGLI without a medical exam when you separate or retire.‍ ‍ See note 4
  • Potentially pay less than Veteran's Group Life Insurance and get features not available in VGLI.
  • Expedite your application process if you're deploying.
  • Lock in your coverage at your current health.
Learn about military features

How much life insurance do you need?

We suggest that you have enough coverage to replace your income for at least 5 years, pay off your debt or cover your funeral costs.

Let us help you figure out how much is right for your needs.

Go to life insurance calculator

Who can get USAA Life Insurance?

Any U.S. citizen or permanent resident can apply for USAA Life Insurance. While we’re focused on serving the military community, you don't need a military connection.

To get a policy with us, we look at things like your age, health and lifestyle. We may also need the results of a medical exam.

How much is life insurance?

The younger you are, the less you’ll usually pay. Other factors include:

  • Your health and lifestyle.
  • Your occupation.
  • The type of life insurance you choose.
  • How much coverage you get.

How to get life insurance

If you need help, speak with a life insurance specialist at 800-245-6403. They’re available Monday to Friday, 7:30 a.m. to 8 p.m. CT.

Steps to complete How to get life insurance

  1. Choose

    Review your term or permanent options and get a quote. We can help you schedule a free medical exam if you need one.

  2. Apply

    Answer a few questions and complete a medical exam if it’s required. We'll review your application.

  3. Buy

    If you’re approved, your coverage starts the day you make your first payment.

Life insurance FAQ

It depends. If you need both of your salaries to afford your lifestyle, then you should each consider getting a life insurance policy.

If one of you doesn't work, life insurance can help your surviving spouse maintain the household.

Keep it but consider that it may not be enough coverage to meet your needs. Also, keep in mind you usually lose it when you leave your job.

If you want to discuss your options, call us at 800-245-6403.

Life insurance usually doesn’t get cheaper as you age. The younger you are when you get coverage, the less you’ll pay over your lifetime.

More life insurance resources

Life insurance advice: Making the right choices for your family

Article: 4 minutes

Read article: Life insurance advice: Making the right choices for your family

Pros and cons of common life insurance strategies

Article: 8 minutes

Read article: Pros and cons of common life insurance strategies

Life insurance in retirement: planning for security

Article: 4 minutes

Read article: Life insurance in retirement: planning for security.

Life insurance that fits your life

We’re here to help you choose the right policy for your needs.

Get help choosing a life policy

Call 800-245-6403

For TTY devices, dial 711

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. As of June 1, 2025, 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.

  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. 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.

  4. 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. 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).

  3. 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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