Step-by-Step Instructions
The process of qualifying for a CAP Loan begins when you complete your application for Armed Forces Mutual Membership, which includes the CAP Loan benefit.
Apply for a CAP Loan
Important: This application is for new Armed Forces Mutual Members and first-time CAP applicants only. If you are already a Member or if you have previously had a CAP Loan, you might qualify for another one! Call us at 800-336-4538 to find out.
Click "Get Started" below and complete the form on the next page with your contact and demographic information.
Select a level of coverage that meets these CAP Loan Member benefit eligibility requirements:
- At least $250,000 of term insurance, OR
- At least $25,000 of whole life insurance, OR
- $100,000 of BeyondBasic® coverage
Then click the "Get a Quote" button at the bottom of the form
Review the policy quote options that have been tailored to your request, select the quote that best fits your needs, then click the “Apply” button.
When prompted, review and confirm the details of your policy.
On the "Product Selection" page, locate the "Additional Benefits" section to review policy features.
Check the box to add the CAP Loan Member benefit to your application.
Enter your military email address.
Click "Next" to complete the rest of the application.
Contact Us
If you need our assistance at any time, call an Armed Forces Mutual Membership Coordinator at 877-398-2263, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET. We’ll be happy to walk you through the process.
