USAA Life Insurance Company and USAA Life Insurance Company of New York
What's term life insurance?
Term life insurance offers protection with coverage and premiums fixed for a set period of time. The initial term is usually 10 to 30 years.
Who it's for
Term life may be for you if others rely on you or your income. It's a good option for people with responsibilities like mortgages or taking care of kids. It generally provides the most coverage for the money.
Features for service members
Members who own USAA term life insurance receive additional featuresSee note1 while on active duty, including:
- Coverage during war.
- Up to $25,000 to help with expenses caused by a severe injury.
- Guaranteed coverage after leaving the military.
Why choose term life insurance through USAA?
When you select USAA as your life insurance provider, you can be confident that we'll live up to our reputation for service. Our approach to service is especially crucial when we help those who've lost a loved one. Our Survivor Relations team can be there for your family during such a difficult time. When the time is right, a Survivor Relations representative can help your survivors evaluate their options and manage the details of your USAA accounts.
How much life insurance do I need?
We suggest that you have enough coverage to pay off any debt you have and replace your income for at least five years. Even if you're starting with minimum coverage, having some life coverage is better than none. Let us help you figure out how much coverage is right for your needs.
Calculate coverage needs (opens new window)How to get a policy
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Step 1: Get a free quote.
Answer a few questions to get an idea about your coverage and costs.
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Step 2: Complete the application.
Complete your application. You may have to take a free medical exam.
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Step 3: Decide to buy.
If your application is approved, you're covered from the day you make your first payment.
What if level term life insurance isn't right for me?
We offer other life insurance options to help protect those you care about most.
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Permanent Life Insurance
These policies are designed to last a lifetime.
Level term life insurance FAQ
More life insurance resources
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Life insurance 101: What you should know
Getting life insurance is an important decision. Understand why you need it and how it's going to help you.
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Life insurance advice: Making the right choices for your family
Learn why today's families should be protected with life insurance, who to cover and how much coverage you may need.
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3 reasons to consider term life insurance
Term life insurance can cover temporary needs like paying off a large loan or sending your kids to college.
We're here to help.
Start the conversation about your financial needs and we'll show you how our level term life insurance can help. Speak to a USAA representative at 800-531-LIFE (5433), Monday to Friday, 7:30 a.m. to 8 p.m. CT.
Schedule a call