USAA Life Insurance Review

USAA is one of renowned company in United State. They offer different financial and banking services along with different insurance services.
In this article USAA’s life insurance policy and features are provided.

Level Term or Term Life Insurance

Although USAA is for US Military, general US citizen can get few services from them. Level Term is one of them. Most of the people are eligible for term life insurance.


Usually the length of coverage is up to 30 years. You may purchase this plan for your children.

The minimum premium will be $14.15 monthly. This premium may vary according to your risk classes. For example, if you are a tobacco user or a chain smoker or have health issues they will charge you higher. The monthly premium amount remains the same. Your death benefit is $250,000 (10 years).


Severe injury benefit is not available in this plan. You may purchase a benefit to pay premiums if you become disabled. If you survive, there is no cash benefit at the end of the term. In this plan your beneficiary will get free financial advices from USAA.

Military Term

This unique policy of USAA is only for US Military and their respective family members. So if you are a part of US Military then you can take this policy.


Like Level Term this policy also has a maximum term of 30 years. The monthly minimum Premium is 14.15 dollar. Again it will vary depending on your health condition, habit and lifestyle. The periodic premium will remain same over the term period. Your death benefit is $250,000 (10 years).


You can get this plan for your children. You will have no cash value after the term period. Your beneficiary will get the free financial advice. You will get $25,000 Severe Injury Benefit. You may purchase a benefit to pay premiums if you become disabled

Universal Life Insurance

USAA provides UL (Universal Life) Insurance to some specific people.
You can cover your life time protection with this plan. You can be able to purchase this plan for your kids.
Your minimum monthly premium is $70.74. This monthly premium can be flexible.

Your death benefit is  $100,000. Premium may vary according to your risk class. You will have a certain cash value at the end of the term period.


You may purchase a benefit to pay premiums if you become disabled. Severe injury benefit plan is not available. Your beneficiary will be able to get the free financial advice.

Whole Life Insurance

Only a few selected people are eligible for this plan. It will cover your life time insurance.


The minimum monthly payment is $84.57 per month and the death benefit is $100,000. This monthly premium is not fixed or variable. The amount of premium may vary depending on your risk class.


You may purchase a benefit to pay premiums if you become disabled. Your beneficiary will get free financial advice. Severe injury benefit is not allowed. There is a certain cash value after the term period. You are able to have this plan for your children.

Combination Plan

This is also a unique plan of USAA. This plan is not available for every one. Only those who a balanced coverage can apply for this policy. Policy duration can be flexible may be for life time or for a specific period of time.


The minimum monthly premium is $98.72 per month, can be flexible. The premium may vary regarding to your risk assessment. The death benefit is $250,000 (10 Years).

You may purchase a benefit to pay premiums if you become disabled. Free financial advice is available for your beneficiary. There will be a certain cash value after the term period. $25,000 severe injury benefit is available in this plan. You can also purchase it for your loving kids.

Related Article :

Different types and features of Life Insurance.

Type of Insurance.

USAA Company Review.