Smart Protection
Level Term I — Always Affordable
This is term life insurance that stays with you beyond military service, with coverage up to $800,000 at rates that never increase. It’s a perfect solution for your military family throughout your time in service and after.
Why Level Term I Matters
If you want strategic protection that is built for your military life and beyond, this policy delivers. From the time you join, through transition and back into civilian life, Armed Forces Mutual will be there with you.
$50K-$800K Coverage
Fill the gaps left by SGLI and fully cover your family with customized protection.
Rates Never Increase
Lock in affordable premiums early in your career.
Conversion Options
Flexibility to adapt to another policy or coverage amount as your life changes.
Post-Military Protection
Coverage continues after you leave service, so you can count on it until you make a change.
Strategic Coverage
Why Choose Level Term I?
Get smart financial protection that fits both your military career and civilian life after service.
Complete Coverage
While SGLI provides basic protection during service, Level Term I offers up to $800,000 of additional coverage that continues even after you leave the military. This is crucial when you transition back to civilian life just when you may need protection most. Level Term I bridges this gap that government-backed coverage doesn’t fill, ensuring continuous protection regardless of your career path or deployment status.
Apply for Level Term I
It’s the Smart Move
Securing coverage early in your career is one of the smartest financial moves you can make. Your premiums with Level Term I never increase, allowing you to lock in lower rates while you're younger and healthier. By thinking ahead, you’ll save money over time and maintain your insurability before you encounter potential deployments or career hazards that might affect your future insurance options.
Adapts to Your Needs
Your life will change significantly throughout your military career and beyond. Level Term I grows with you through guaranteed conversion options. Prior to age 48 (age 38 for nicotine users), you can convert 100% of your coverage to a Five-Year Renewable Term plan without additional medical underwriting. You can also convert to a Value-Added Whole Life policy at any time, regardless of health changes — an important option if you want to stay protected for all the years ahead.
Join Our Community
When you choose Level Term I, you're not just getting insurance — you're joining a nonprofit association of military families that's served this community since 1879. Your Armed Forces Mutual Membership connects you with exclusive resources, financial education tools, career networking opportunities, and a variety of other benefits made to meet the unique challenges and opportunities of military life.
Learn More About Membership
Made for Your Military Family
Level Term I is available for military servicemembers, Veterans, Spouses, and their children ages 18 to 49, and their grandchildren ages 18 to 26. Through the policy term, the premium and death benefit remain level. At age 50*, the death benefit begins decreasing until the plan is ultimately terminated at age 60*.
SGLI Is Not Enough
Complete Coverage
While SGLI provides basic protection during service, Level Term I offers up to $800,000 of additional coverage that continues even after you leave the military. This is crucial when you transition back to civilian life just when you may need protection most. Level Term I bridges this gap that government-backed coverage doesn’t fill, ensuring continuous protection regardless of your career path or deployment status.
Apply for Level Term I
Plan Ahead
It’s the Smart Move
Securing coverage early in your career is one of the smartest financial moves you can make. Your premiums with Level Term I never increase, allowing you to lock in lower rates while you're younger and healthier. By thinking ahead, you’ll save money over time and maintain your insurability before you encounter potential deployments or career hazards that might affect your future insurance options.
Enjoy Flexibility
Adapts to Your Needs
Your life will change significantly throughout your military career and beyond. Level Term I grows with you through guaranteed conversion options. Prior to age 48 (age 38 for nicotine users), you can convert 100% of your coverage to a Five-Year Renewable Term plan without additional medical underwriting. You can also convert to a Value-Added Whole Life policy at any time, regardless of health changes — an important option if you want to stay protected for all the years ahead.
Membership Benefits
Join Our Community
When you choose Level Term I, you're not just getting insurance — you're joining a nonprofit association of military families that's served this community since 1879. Your Armed Forces Mutual Membership connects you with exclusive resources, financial education tools, career networking opportunities, and a variety of other benefits made to meet the unique challenges and opportunities of military life.
Learn More About Membership
Who Can Apply?
Made for Your Military Family
Level Term I is available for military servicemembers, Veterans, Spouses, and their children ages 18 to 49, and their grandchildren ages 18 to 26. Through the policy term, the premium and death benefit remain level. At age 50*, the death benefit begins decreasing until the plan is ultimately terminated at age 60*.
Quick Answers
Want to Know More?
Find answers below.
How is Level Term I different from SGLI?
Unlike SGLI, which ends when you leave service, Level Term I stays with you when you transition back to civilian life up to age 50. It also offers much higher coverage amounts up to $800,000, locked-in rates that never increase even after you transition, and conversion options that SGLI doesn't provide.
Why should I get term life insurance coverage in my 20s or 30s?
Securing coverage early locks in lower premiums for the duration of your plan and protects your insurability before deployments or career hazards that might affect future insurance options. Term insurance is a strategic financial move that creates long-term savings and security.
What is term life insurance?
A term life insurance policy offers coverage for a fixed period of time. This type of life insurance only guarantees payment of a stated death benefit if the policyholder dies during the specified term. Once the term expires, the policyholder can either renew their coverage for another term, convert the policy to permanent coverage (known as whole life insurance), or allow the policy to terminate.
Smart Supplement to SGLI
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Secure Your Future
Fully Protect Your Family Today
Join generations of military families who've trusted Armed Forces Mutual since 1879. Get affordable coverage that stays with you throughout your military career and beyond.