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Term life insurance covers a specified period and pays a death benefit if the insured dies during that time. It typically has lower premiums than whole life insurance.
Whole life insurance offers coverage for life as long as premiums are paid. It typically includes a cash value component that grows over time, allowing you to build cash savings within the policy.
The amount of life insurance you need depends on your unique situation, including your family size, age, and other life circumstances. You can select a policy that safeguards your family in the event of early death, one that is most effective if you live a long life, or a mix of both.
Try our life insurance needs calculator to find out how much insurance you need.
Individuals in the following groups are eligible to access AAFMAA products, services, and benefits:
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AAFMAA provides you with the peace of mind that comes from a military-focused company that puts you and your family first.
The coverage you need at the price you want through every stage of life.
You can keep your coverage even after you leave the military.
Protect the loved ones you leave behind with lifetime survivor assistance.
You are covered — even when you are training or deployed.
Protect your family confidently with up to $1,000,000 of coverage.
No penalties or fees if you need to terminate your policy.
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We'll provide you with the personal attention you deserve.
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If anyone relies on you financially — whether through income or contributions like childcare — then you and your family need life insurance.
Start by determining how much you need, for how long, and what you can afford to pay. Then, shop around for the best policies that meet your needs.
If you don’t have life insurance, the best time to get it is today. Life insurance is cheaper and easier to get when you’re younger and healthier. However, AAFMAA can help you protect your dependents and cover your financial obligations with policies made for every stage of your military life and beyond.
Both you and your spouse should consider life insurance if either of you contributes financially or provides essential caregiving. Dual coverage ensures financial support for living expenses, debts, or childcare in the event of a passing.
Whole life insurance offers coverage for life as long as premiums are paid. It typically includes a cash value component that grows over time, allowing you to build savings within the policy.
Life insurance payouts are typically not taxable for beneficiaries, allowing them to receive the full amount without taxes. However, taxes may apply if the policyholder's estate exceeds the federal estate tax exemption or if the benefit was transferred for value.