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

Life insurance for your family’s future

We offer term life and permanent life policies to fit your needs.

Get a quote for Term Life

Call 800-245-6403

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.

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

Life insurance for your family’s future

We offer term life and permanent life policies to fit your needs.

Get a quote for Term Life

Call 800-245-6403

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.

How much life insurance do you need?

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.

Let us help you figure out how much is right for your needs.

Go to life insurance calculator

Get online estate planning on certain policies up to a $599 value.

You’ll get a free will or trust package from Trust & Will, a leader in online estate planning, if you buy one of our most popular policies.‍ ‍

  • USAA Eagle Express Term Life Insurance
  • USAA Secure Whole Life™ Insurance

Trust

This includes a revocable trust, certification, all your will documents and a schedule of assets.

Will

This includes a last will and testament, power of attorney, medical info authorization and medical directive, or living will.

Printing and shipping

Trust and Will can print and ship the documents you need free of charge.

Anyone can benefit from life insurance.

Families with children

Your coverage helps your spouse continue the care you provided. Plus, it could help pay for college.

People without kids

Coverage can help pay off debt, offset funeral costs and pay estate taxes. You can also borrow money against some policies for retirement.

Military members

A life insurance policy can supplement SGLI and may be cheaper than VGLI.

Why choose life insurance through USAA

Flexible coverage

Many of our policies allow you to increase your coverage after certain life events.‍ ‍,‍ ‍,‍ ‍,‍ ‍

Dedicated support

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

Financial strength

Our life insurance company gets these high ratings‍ ‍:

  • A.M. Best: A++
  • Moody's Investors Service: Aa1
  • S&P Global Ratings: AA

Caring environmental partner

We’re committed to doing our part to preserve the environment for future generations.

Multi-product discount

Have a homeowners, auto or renters policy with USAA? You could save money on these policies when you buy a life insurance policy from us.‍ ‍

Save on other things with USAA Perks®.

As a member, you can find savings on things like travel, entertainment and services with USAA Perks®.

Policies designed with military in mind

We know military life can be challenging. Some of our policies have extra features for the military.‍ ‍,‍ ‍,‍ ‍

  • Add term coverage equal to your SGLI without a medical exam when you separate or retire.‍ ‍
  • Potentially pay less than Veteran's Group Life Insurance and get features not available in VGLI.
  • Expedite your application process if you're deploying.
  • Lock in your coverage at your current health.
Learn about military features

Need help choosing?

Get help deciding which type of life insurance is best for you with our life insurance tool.

Get help choosing a life policy

Who can get USAA Life Insurance?

Any U.S. citizen or permanent resident can apply for USAA Life Insurance. While we’re focused on serving the military community, you don't need a military connection.

To get a policy with us, we look at things like your age, health and lifestyle. We may also need the results of a medical exam.

How much is life insurance?

The younger you are, the less you’ll usually pay. Other factors include:

  • Your health and lifestyle.
  • Your occupation.
  • The type of life insurance you choose.
  • How much coverage you get.

How to get life insurance

Steps to complete How to get life insurance

  1. Choose

    Review your term or permanent options and get a quote. We can help you schedule a free medical exam if you need one.

  2. Apply

    Answer a few questions and complete a medical exam if it’s required. We'll review your application.

  3. Buy

    If you’re approved, your coverage starts the day you make your first payment.

Schedule a call

Call 800-245-6403

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.

Life insurance FAQ

It depends. If you need both of your salaries to afford your lifestyle, then you should each consider getting a life insurance policy.

If one of you doesn't work, life insurance can help your surviving spouse maintain the household.

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 800-245-6403.

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.

More life insurance resources

Life insurance: Making the right choices for your family

Article: 4 minutes

Read article: Life insurance: Making the right choices for your family

Pros and cons of common life insurance strategies

Article: 8 minutes

Read article: Pros and cons of common life insurance strategies

Life insurance in retirement: Planning for security

Article: 4 minutes

Read article: Life insurance in retirement: Planning for security

Life insurance that fits your life

We’re here to help you choose the right policy for your needs.

Get a quote for term life

Call 800-245-6403

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.

Life insurance that fits your life

We’re here to help you choose the right policy for your needs.

Get a quote for term life

Call 800-245-6403

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. As of June 1, 2025, A.M. Best: A++, Superior (highest of 16 possible ratings); Moody's Investors Service: Aa1, Excellent (second highest of 21 possible ratings); S&P Global Ratings: AA, Very Strong (third highest of 21 possible ratings). Ratings are subject to change. Ratings apply to USAA Life Insurance Company and USAA Life Insurance Company of New York not to the products or services they provide. Company ratings represent an opinion of financial strength and the company's ability to meet ongoing obligations to policyholders. Ratings refer to the claims-paying ability of the insurance company and do not reflect the safety or performance of any product. The rating agencies listed are independent of each other and use proprietary evaluation criteria and ratings scales. For the latest Financial Strength Ratings, visit www.ambest.com, www.moodys.com and www.spglobal.com/ratings.

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

  8. 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 (ICC24516783 11-24) (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 ICC23509575 11-23 (may vary by state). Military Severe Injury Benefit Rider not available in New York.

  9. 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.

  10. Military Protection Plus is an additional benefit available on USAA Secure™ Whole Life, form number ICC25517453 03-25 (may vary state by state) not available in NY. This is a combination of the Military Future Insurability Rider which 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. If the additional coverage is term insurance, the maximum level period must be selected based off the insured’s attained age as outlined in the rider. Rider form: ICC25517457 03-25 (may vary by state) not available in New York and USAA’s Military Severe Injury Benefit Rider which 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) not available in New York.

  11. 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.

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. Membership eligibility and product restrictions apply and are subject to change.

  6. 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.

  7. 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.

  8. 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, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) 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.

  9. No Department of Defense or government agency endorsement.

  10. 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).

  11. Learn about USAA's use of Artificial Intelligence.

    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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