Section 2 - Term Life Insurance
(you must work at least 40 hours per month to enroll in voluntary life insurance)
Member and spouse term life benefit levels are $10,000, $20,000, $30,000, $40,000, $50,000, $60,000, $70,000, $80,000, $90,000, $100,000, $110,000, $120,000, $130,000, $140,000, $150,000, $160,000, $170,000, $180,000, $190,000 or $200,000
New Member (within 90 days of new membership) -
- You are guaranteed up to $100,000 in Member Term Life insurance.
- Your spouse is guaranteed up to $40,000 of Spouse Term Life insurance. You must have voluntary member insurance to purchase spouse insurance.
- Your unmarried, dependent children under age 26 are guaranteed up to $10,000 of Child Term Life insurance.
Open Enrollment -
- If you are currently enrolled you can step-up to the next benefit level of Member Term Life insurance up to a maximum of $100,000.
- Children are guaranteed up to $10,000 of Child Term Life insurance.
All other coverage requires approval through Evidence of Insurability

- You cannot be enrolled as a member and as a dependent on another member's voluntary term life policy.
- You must be enrolled in voluntary member term life to apply for spouse/partner or child term life.
- If you request more than the guaranteed issue you (or your spouse/partner) will be required to submit an evidence of insurability and be approved by USAble Life. Please note, that we will issue any guaranteed amount and if your Evidence of Insurability is approved your coverage will be increased. Contact Membership Advantages for the Evidence of Insurability form.