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USAA Life Insurance Company and USAA Life Insurance Company of New York; United Of Omaha Life Insurance Company, Mutual of Omaha Affiliates

Guaranteed issue whole life insurance for final expenses and more

Help pay end-of-life expenses so your loved ones don't have to.

Get a term life quote

Mutual of Ohama Logo, Underwritten by United of Ohama Life Insurance Company, Companion Life Insurance Company, Mutual of Omaha Affiliates

We’ve teamed up with Mutual of Omaha® to provide options for a guaranteed issue whole life policy.

What’s guaranteed issue whole life insurance?

It’s a type of permanent life insurance that can help pay for burial expenses, medical bills and debt. Guaranteed issue whole life insurance may be right for you if you've been denied coverage or you want a smaller amount of coverage.

Monthly policy premium rates are fixed.

Premiums vary based on age.

  • Males age 45 to 85: $8.36 to $40.12
  • Females age 45 to 85: $6.38 to $32.34

Premiums vary based on age.

  • Males age 45 to 85: $19.41 to $98.81
  • Females age 45 to 85: $14.45 to $79.35

Premiums vary based on age.

  • Males age 45 to 85: $37.82 to $196.62
  • Females age 45 to 85: $27.90 to $157.70

Premiums vary based on age.

  • Males age 45 to 85: $56.22 to $294.42
  • Females age 45 to 85: $41.35 to $236.05

Premiums vary based on age.

  • Males age 45 to 85: $74.63 to $392.23
  • Females age 45 to 85: $54.80 to $314.40

Premiums vary based on age.

  • Males age 45 to 85: $93.04 to $490.04
  • Females age 45 to 85: $68.25 to $392.75

Notes for Monthly policy premium rates are fixed.

  1. Note: For New York, this benefit is only available for ages 50 to 75.

    Rates effective August 1, 2026

What you get with guaranteed issue whole life insurance

Guaranteed coverage

If you're 45 to 85 years old or 50 to 75 years old in New York, you won't be turned down for coverage — even if you've been turned down for other life insurance policies. Your payments will never increase, and your coverage will never decrease.

Dependable death benefit

If you have an accidental death, the full benefit will be paid. And if you die by auto accident, your full benefit will be doubled. After 2 years, the full benefit is paid out for all causes of death.‍ ‍

What makes this life insurance policy different?

The differences between guaranteed issue whole life insurance and other permanent life insurance options are in the details.

  • Guaranteed approval for people ages 45 to 85 years (50 to 75 in New York)

  • Most claims paid within 24 hours‍ ‍

  • $2,000 to $25,000 in fixed coverage

  • No health questions or medical exam

  • Payments that won’t increase over your lifetime

  • Lasts until age 120

Have questions?

You can call us to speak with a licensed agent/producer or 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.

Other life insurance resources

Life insurance for seniors: What you need to know

Article: 4 minutes

Read article: Life insurance for seniors: What you need to know

Life insurance for final expenses

Article: 5 minutes

Read article: Life insurance for final expenses

What you need to know about 'no medical exam life insurance'

Article: 4 minutes

Read article: What you need to know about 'no medical exam life insurance'

Help protect your loved ones with guaranteed coverage.

Get a term life quote

Related footnotes:

  1. Death benefits for natural causes are reduced during the first two years of the policy contract to 110% of all premiums paid. Accidental death by automobile pays double the death benefit amount (not available in Georgia and New York) while all other accidental deaths pay the full benefit amount. All benefits paid will be reduced by any outstanding loans.

  2. Based on 2 months of rolling claims data for policies $2,000-$25,000 after all required documentation is received; excludes claims made within 24 hours from policy issuance date. For supporting data, please visit mutualofomaha.com/24.

Related footnotes:

  1. Guaranteed Issue Whole Life Insurance is not available in Montana. Benefits may vary by state. These policies contain benefits, reductions, limitations and exclusions.

  2. Guaranteed Issue Whole Life Insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, which is licensed nationwide except for NY and does not solicit business in New York. In New York, Companion Life Insurance Company, Melville, NY 11747 underwrites life insurance and annuities. Each underwriting company is responsible for its own financial and contractual obligations along with any and all administrative and claims paying decisions.

    Guaranteed Issue Whole Life Insurance includes a graded death benefit. During the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. The policy pays a specific death benefit amount to your beneficiary, the beneficiary may or may not use it to help pay final expenses.

    Guaranteed Issue Whole Life Insurance policy Form ICC18L198P (D787LFL19P in FL;1002Y-0119 in NY) or state equivalent. Motor Vehicle Accidental Death Rider Form C783LNA09R (C787LFL09R in FL; C791LLA09R in LA; C794LNC09R in NC; C799LOK09R in OK; C800LOR09R in OR; C818LPA09R in PA; C801LTX09R in TX; C817LWA09R in WA) or state equivalent.

  3. USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency) acts as an agent for select insurance companies to provide additional products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives commissions from those companies which can include compensation based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states.

  4. USAA Life Insurance Company and USAA Life Insurance Company of New York are not affiliated with United of Omaha Life Insurance Company or Companion Life Insurance Company, Mutual of Omaha Affiliates nor do we guarantee the quality of their products or services. Although we may promote and/or recommend the products offered by this company, consumers should review the product carefully prior to making a purchasing decision.

  5. 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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