You have 240 days to add coverage after one qualifying life event: getting married, having a baby, or buying a new home.
Other requirements for TLEO
While there’s no additional cost to have TLEO on your original policy, you’ll pay a monthly premium for the new policy’s added coverage.
You can add the coverage after only one qualifying life event. If you get married and buy a new home, you can only add coverage once.
Like the original policy, the coverage can also be converted to a permanent policy after a year. See note 3
How it works
Steps to complete How it works
Call 800-245-6399
For TTY devices, dial 711
Hours of operation for USAA Life Insurance
Note: Days and times may vary.
Term Life Events Option FAQ
No. The TLEO feature can only be activated once within the first 10 years after the original policy is purchased, or before the primary insured on the policy turns 45.
No. You can only add $100,000 in coverage for one qualifying life event.
If you need additional insurance, you can review your options or call a Life Specialist for guidance at 800-245-6399.
The TLEO feature isn’t permanent, and the policy length depends on how many years are left on the term of the original policy.
Although your original term life policy can last up to 30 years, TLEO expires after you’ve had it for 10 years, or you turn 45 — whichever comes first.
Just like the original policy, the coverage can be converted to a permanent policy after one year.