mobile domain:mobile.usaa.com
Skip to Content

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

Life insurance for everyone

You don’t need a military connection to get life insurance through USAA. Discover how we can help you find coverage that meets your needs.

Select Navigate

What would you like to do today?

We’ll guide your next steps, whether you’re ready to buy a life insurance policy or need help before you start.

Get started

Did you know?

USAA life insurance isn't just for military members. Our policies are available to all U.S. citizens.

Why choose life insurance through USAA

Survivor support and estate planning

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

Some USAA life policies also give you a free will or trust package from Trust & Will, a leader in online estate planning, worth up to $599.‍ ‍

Flexible coverage for major life events

Many USAA life policies can grow with your coverage needs. If you get married, buy a home or grow your family, you can easily add coverage without a medical exam.‍ ‍,‍ ‍,‍ ‍,‍ ‍

You can also add affordable protection for your kids for an additional cost.‍ ‍,‍ ‍,‍ ‍

USAA bundling savings and perks

Already have a home, auto or renters policy with USAA? You could save on them when you buy USAA Life Insurance.‍ ‍

As a member, you can also save on travel, entertainment, services and more with USAA Perks®.

Securing your family's future with life insurance

Protect your loved ones by learning how to choose coverage that can help pay for their daily expenses.

Video player
Making family decisions about life insurance

Video Duration: 2 minutes 15 seconds

Intro: Elapsed time 0 minutes 0 seconds [00:00]

Description of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York] End of description.

Life can be risky. From staying healthy during a pandemic to the rising costs of housing, fuel and food, we’ve seen a lot. So, who couldn’t use a little more peace of mind these days?

Here's an idea: Why not see if life insurance can help with that?

All your family members should have the protection of life insurance. A death in the family can have long-term impacts you probably haven't thought about. For example, imagine what your family's financial situation would look like if you died tomorrow and they lost your income. That's where life insurance can offer peace of mind. It offers money that can help with the important things that keep a family financially secure.

But how can you know how much life insurance your family needs?

Remember this acronym: L.I.F.E.

"L" is for your Liabilities.

"I" is for Income that could need replacement.

"F" is for Final expenses after a death.

And "E" stands for Education or Extra goals that might need financing.

You should consider all of these things when choosing the amount of coverage you need.

Each family has unique needs. For example, the needs of a single-parent household with minor children would be very different from those of a middle-aged couple with no children. And consider this: Even in families that have a nonworking spouse, what they contribute to the household in the way of services like childcare and other tasks at home has value. What if you had to pay someone to do those things? It all adds up.

If your family includes children, it may be good to think about life insurance for them, too. It can give them a head start on financial security if they later convert it to their own policy after they reach adulthood.

Conversations about life insurance and your family's need for it can be hard, but they can contribute to a lifetime of peace of mind.

If you need help getting started, visit usaa.com/life to learn more and get a personalized assessment of your family's needs. Or to speak with one of our life insurance specialists, call 800-531-LIFE (5433).

Description of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York.

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.

DID # 7623953] End of description.

End: Elapsed time 2 minutes 15 seconds [02:15]

Coverage designed for active duty and reserve

We understand the needs of the military. That’s why our life policies include features like SGLI replacement, coverage during wartime and an extra benefit for severe injuries.‍ ‍,‍ ‍,‍ ‍

And if you're deploying, your application goes to the top of the pile.

Learn about military features

Did you know?

VGLI is a great benefit if you had SGLI, but premiums increase every few years. You can lock in your rate now with a USAA policy.

Life insurance FAQ

Everyone. While we’re focused on serving the military community, all life insurance, health insurance and retirement products offered by USAA Life Insurance Company of New York and USAA Life General Agency are available to the public.

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.

The cost of life insurance depends on several factors. Your age, health, lifestyle and the type of insurance policy you select can impact your premium. In general, the younger you are, the lower the cost of coverage.

Have questions about life insurance?

You don’t have to figure it out on your own. A USAA specialist can walk you through your life insurance options whenever you’re ready.

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.

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. Maximum coverage for Term Life Insurance for Children is $25,000 for each child for a single monthly premium of $7.99.

  7. Protection for children is not available in all states. Term life insurance for children provided by a rider attached to the parent's life insurance policy. Term Life Insurance for Children Rider — Form LBR98550ST 07-16 (may vary by state); NY form NBR98592NY 08-19.

  8. Protection for children is not available in all states. Term life insurance for children provided by a rider attached to the parent's life insurance policy. Maximum coverage for Term Life Insurance for Children is $25,000 for each child for a single monthly premium of $7.99. Term Life Insurance for Children Rider — Form ICC24516973 06-25 (may vary by state).

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

  10. 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.

  11. 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.

  12. 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.

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. 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.

  6. 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.

  7. No Department of Defense or government agency endorsement.

  8. 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).

  9. 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, USAA Falcon Property & Casualty Insurance Company, and NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom) 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.

  10. 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.

8191599