USAA Term Life Insurance: Get a Policy Quote Online

What's term life insurance?

Term life insurance provides coverage with a guarantee^{See note1} that monthly payments are fixed for a specific time period. Term policies typically offer the most coverage for the least cost. Payment of the benefit to your beneficiaries is guaranteed as long as premiums are paid.

Who it's for

Life insurance isn't really for you. It's for those you care about. You may want term coverage to help replace your income for a number of years or pay off any debt you may have, like a mortgage or car loan. USAA Term policies also include features designed for active-duty servicemembers.

Compare our term policies.

Both USAA Level Term^{See note2} and Eagle Express^{See note3} offer benefits for active duty servicemembers, including Military Protection Plus and the option to add coverage equal to your SGLI^{See note4} without a medical exam when you separate or retire.

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Level Term

Easily add coverage as your needs change.

Eligible ages 18-70
Policies from $100k to $10m
Medical exam required
Add coverage if you have a child, get married or buy a home
Option to convert to a permanent policy after one year

Get a quote with Quote with care

USAA Eagle Express

Apply and get covered in just a few minutes^{See note5}

Eligible ages 18-60
Policies from $100k to $1m
No medical exam for those who qualify
Same-day coverage if approved

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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.

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Why choose term life insurance through USAA?

You should buy life insurance from a company that you trust to be there for the people who matter most to you. Our dedicated Survivor Relations team will help your family understand their options and make the right decisions for their needs.

What if term isn't right for me?

Permanent life insurance may be the better choice if you want to help offset costs that you'll have later in life like long-term care, retirement and funeral costs. Some permanent policies may also build cash value.

Learn more about Permanent life insurance (opens new window)

Term life insurance FAQ

What kinds of things do we look for during the medical exam?

When is the best time to get term life insurance?

Can I convert a term policy to a permanent one?

Does term life insurance have cash value?

More life insurance resources

3 reasons to consider term life insurance

Learn the key difference between term and permanent life insurance, and consider why a term policy might be right for you.

Read more Read article: 3 reasons to consider term life insurance
Servicemembers' Group Life Insurance: How to know if it's enough

Consider whether your Servicemembers' Group Life Insurance (SGLI) coverage is adequate to help you reach your goals.

Read more Read article: Servicemembers' Group Life Insurance: How to know if it's enough
4 questions to ask when buying life insurance

Let us help you start the conversation about using life insurance to help protect your loved ones' financial security.

Read more Read article: 4 questions to ask when buying life insurance

We're here to help.

Start the conversation about your financial needs and we'll show you how our term life insurance products can help. Speak to a USAA representative at 800-531-LIFE (5433), Monday to Friday, 7:30 a.m. to 8 p.m. CT

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Note 1 Guarantees apply to certain insurance and annuity products and are subject to product terms, exclusions and limitations and the insurer's claims-paying ability and financial strength.

Note 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.

Note 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 (ICC23506321 04-23) (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 LBR97953ST 03-14 and ICC1497953 03-14 (may vary by state). Military Severe Injury Benefit Rider and Military Future Insurability Rider not available in New York.

Note 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.

Note 5 Quotes are for estimate purposes only, and your actual premium will be determined after underwriting review and may vary by state, age, birth sex, and risk class. Risk class is determined by factors such as tobacco use, health, family medical history and lifestyle. Life insurance products may have limitations and conditions and may not be available in all states. Approval for coverage is based on your answers to underwriting questions to avoid requiring a medical exam. Premiums remain level for the duration of the policy. USAA Eagle Express Life Insurance is a Simplified Issue Term Life Insurance Policy (ICC23506321 04-23) issued by USAA Life Insurance Company, San Antonio, TX 78288. Not available in New York.

Note 6 Simplified Whole Life: ICC2099630 03-20 (may vary by state). In New York, NWL99614NY 11-20.

No Department of Defense or government agency endorsement.

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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Term Life Insurance

Help protect your family's financial future.