When you’re looking to provide financial protection for your family through life insurance, you may be wondering if it’s necessary to carry two separate policies for you and your spouse – and pay two premiums. As a USBA Member with access to our popular TWO for ONE® Group Level Term Life Insurance, the answer is no.
Joint protection for you and your spouse
With TWO for ONE, you and your spouse are both covered at the same level – and you pay only one premium. The policy pays the benefit on whomever dies first. And the surviving spouse can continue life insurance coverage at the same or lower level without going through the underwriting process, providing a hassle-free experience when it’s needed most.
The TWO for ONE policy offers one other important benefit. If you and your spouse die within 15 days of each other, as the result of the same accident, benefits are paid for the loss of both lives. That’s double the face amount of coverage.
TWO for ONE Life Insurance at A Glance:
- $100,000 of coverage starting at $6.00 per month1
- Coverage available from $50,000 to $400,000 (in increments of $50,000)2
- Coverage age: 64 and younger
- Optional children’s coverage for $1.50 per unit
- Optional AD&D for just $2.00 per month
- 30-Day Free Look3
At USBA, we are dedicated to serving those who serve our nation by offering great coverage options. Take a minute now to learn more about the features and benefits of TWO for ONE – and why it’s one of the top choices for two-income families. USBA coverage is totally portable and offers benefits that do not change due to transition, separation or retirement.
Find out if TWO for ONE is right for you and your family – visit USBA.com or call 877-221-6841.
1 Example premium for a couple, under the age of 31 with five years or less age difference, both of whom qualify for Preferred Rates. Rate based on older spouse’s attained age at issue.
2 The overall maximum coverage for each Member/Associate Member is $650,000 under all USBA-sponsored Group Life Insurance policies, with the option for those ages 69 and below, if approved, to add up to an additional $100,000 of Traditional Whole Life (G-10648-0), for a maximum of $750,000.
3 Our Satisfaction Promise: Once your application has been approved, if you are not completely satisfied, you can request a full refund, without claim, within the first 30 days – no questions asked.
TWO for ONE is a registered trademark of USBA.
