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

Learn about life insurance

You don’t need a military connection to get life insurance through USAA. Discover how we can help you find coverage that meets your needs.

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Choosing life insurance that meets your needs

The type of life insurance and amount of coverage you need depends on your financial situation. Our tools and guidance can help you make an informed decision.

Estimate your life insurance coverage.

Get a quick estimate based on your lifestyle and what you want to protect. It’s a good first step before exploring your life insurance options.

Estimate your coverage needs

Get help choosing a policy.

After you have an idea of your coverage needs, we can help you discover life policies that fit best.

Get help choosing

Did you know?

USAA life insurance isn't just for military members. Our policies are available to all U.S. citizens.

Why choose life insurance through USAA

Survivor support and estate planning

Our Survivor Relations team is here to help your family understand their next steps after the loss of a loved one.

Some USAA life policies also give you a free will or trust package from Trust & Will, a leader in online estate planning, worth up to $599.‍ ‍

Flexible coverage for major life events

Many USAA life policies can grow with your coverage needs. If you get married, buy a home or grow your family, you can easily add coverage without a medical exam.‍ ‍,‍ ‍,‍ ‍,‍ ‍

You can also add affordable protection for your kids for an additional cost.‍ ‍,‍ ‍,‍ ‍

USAA bundling savings and perks

Already have a home, auto or renters policy with USAA? You could save on them when you buy USAA Life Insurance.‍ ‍

As a member, you can also save on travel, entertainment, services and more with USAA Perks®.

Ready for the next step?

Get an idea of your cost for term life in just a few minutes.

Get a quote for term life

Call 800-531-LIFE (5433)

For TTY devices, dial 711

Hours of operation for USAA Life Insurance

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

Note: Days and times may vary.

Ready for the next step?

Get an idea of your cost for term life in just a few minutes.

Get a quote for term life

Call 800-531-LIFE (5433)

For TTY devices, dial 711

Hours of operation for USAA Life Insurance

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

Note: Days and times may vary.

Did you know?

VGLI is a great benefit if you had SGLI, but premiums increase every few years. You can lock in your rate now with a USAA policy.

Life insurance FAQ

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 800-531-LIFE (5433).

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.

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.

How much you'll pay for life insurance depends on several things, including:

  • your age
  • your health and lifestyle
  • your occupation

Have questions about life insurance?

You don’t have to figure it out on your own. A USAA specialist can walk you through your life insurance options whenever you’re ready.

Schedule a call

Call 800-531-LIFE (5433)

For TTY devices, dial 711

Hours of operation for USAA Life Insurance

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

Note: Days and times may vary.

Related footnotes:

  1. With the purchase of a USAA Eagle Express term life insurance policy, USAA Secure™ Whole Life, or USAA Secure™ Final Expense, the primary policy holder will be eligible to create either a will or trust online with Trust & Will by exercising the Eagle Plus Rider on their policy, form number ICC23505229 01-23 (may vary state by state). One-time document printing and shipping included. Not available in Florida or New York.

  2. The Term Life Event Option Rider is available at no additional cost with a Level Term V life insurance policy. It gives you a one-time option to purchase additional term life insurance upon the occurrence of a Life Event. Additional insurance limited to the lesser of $100,000 or the face amount of the base policy. Additional insurance requires payment of additional premium. Rider expires after 10 years or when insured is age 45, whichever comes first. The rider is subject to issue age limitations and other terms, limitations, and conditions. Availability and benefits may vary by state. Form: ICC1598284 03-15 (may vary by state); NY Form LBR98303NY 03-15.

  3. The Term Life Event Option Rider is available at no additional cost with an Eagle Express life insurance policy. It gives you a one-time option to purchase additional term life insurance upon the occurrence of a Life Event. Additional insurance limited to the lesser of $100,000 or the face amount of the base policy. Additional insurance requires payment of additional premium and must be added within 10 years of original policy issue date or before the primary insured turns age 45. The rider is subject to issue age limitations and other terms, limitations, and conditions. Availability and benefits may vary by state. Form: ICC22502565-0622 (may vary by state).

  4. The Life Event Option (LEO) rider is available at no additional cost with the Simplified Whole Life (SWL) insurance policy. It allows you to request additional whole life insurance up to six times after specified events. Additional insurance limited to amount of base SWL coverage, with total coverage after increases limited to $1 million. Increases provided by additional whole life policies and require payment of additional premiums. Rider expires at age 45. The rider is subject to issue age limitations and other terms, limitations, and conditions. Availability and benefits may vary by state. SWL policy form: ICC2099630 03-20 (may vary by state); SWL LEO form: LBR60519ST 06-06 (may vary by state); In New York, SWL policy form: NWL99614NY 11-20; SWL LEO form: NBR61208NY 08-06.

  5. The Life Event Option (LEO) rider is available at no additional cost with USAA Secure Whole Life, form number ICC25517453 03-25 (may vary by state) and USAA Secure Start Whole Life, form number ICC25518183 04-25 (may vary by state). It allows you to request additional whole life insurance up to six times after specified events. Additional insurance limited to the amount of base policy coverage, with total coverage after increases limited to $1 million. Increases provided by additional whole life policies and require payment of additional premiums. Rider expires at age 45. The rider is subject to issue age limitations and other terms, limitations, and conditions. Rider form: ICC22502635 06-22 (may vary by state) not available in New York.

  6. Maximum coverage for Term Life Insurance for Children is $25,000 for each child for a single monthly premium of $7.99.

  7. Protection for children is not available in all states. Term life insurance for children provided by a rider attached to the parent's life insurance policy. Term Life Insurance for Children Rider — Form LBR98550ST 07-16 (may vary by state); NY form NBR98592NY 08-19.

  8. Protection for children is not available in all states. Term life insurance for children provided by a rider attached to the parent's life insurance policy. Maximum coverage for Term Life Insurance for Children is $25,000 for each child for a single monthly premium of $7.99. Term Life Insurance for Children Rider — Form ICC24516973 06-25 (may vary by state).

  9. Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Related footnotes:

  1. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  2. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  3. 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.

  4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  5. This content is provided for information purposes only. Estate planning and probate services are provided by Trust & Will, an online service providing legal forms and information. Trust and Will is not a law firm and they do not provide legal advice.

  6. USAA Life General Agency, Inc. is not affiliated with Trust and Will or Huge Legal Technology Company, Inc., nor do we guarantee the quality of their products or services. Although we receive compensation from and may promote and/or recommend the products offered by these companies, consumers should review the product carefully prior to making a purchasing decision.

  7. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA Falcon Property & Casualty Insurance Company, and NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

  8. No Department of Defense or government agency endorsement.

  9. 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).

  10. 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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