Superior Protection
Level Term II
Secure up to $800,000 in coverage with our most competitive rates, designed for military professionals, Veterans who have transitioned to their next chapter, and their families.
Is Level Term II Right for You?
Get the strategic coverage that adapts to your evolving career and growing responsibilities. You’ve got more to protect — Level Term II can cover it all at a price that fits your budget.
Up to $800K Coverage
Substantial protection beyond SGLI/VGLI limits at more affordable prices.
Competitive Rates
Qualified applicants get the most competitive premiums available.
Up to 30 Years of Protection
Customize your term to match your needs.
Throughout Your Military Life
Seamless protection during your military career and after you return to civilian life.
Why Choose Level Term II?
Military service taught you to be prepared — your life insurance should match that forward-thinking mindset as you build your next chapter.
Coverage Tailored to You
Whether you’re advancing in your military career, preparing for civilian transition, or enjoying your second career as a Veteran, SGLI may no longer meet your needs and VGLI may be too expensive. Level Term II offers up to $800,000 of coverage with our most competitive rates. Unlike government options, Level Term II provides higher coverage limits, potentially lower premiums than VGLI, and predictability throughout career moves and growing financial responsibilities.
You Can Do Better Than VGLI
Level Term II rates are customized to your individual age, health, and lifestyle factors, but these premiums are designed to be highly competitive and always affordable — especially when compared to VGLI. By securing Level Term II coverage now, you lock in consistent premiums for however long you need them up to 30 years. Creating predictability in your financial plan when growth and change are your norms is invaluable.
Aligned with Your Life Goals
Choose anywhere between 5- and 30-year terms to align your coverage with major life milestones — whether that's raising children, paying off a mortgage, or building your post-military career. This flexibility allows you to secure appropriate coverage during your highest-responsibility years without paying for protection beyond when you need it. Your coverage amount and premium remain level throughout your selected term, providing consistent protection when your family depends on it most.
More Than Just Life Insurance
When you choose Level Term II, you get more than a life insurance policy — you join a nonprofit association of military families navigating similar life experiences. Your Armed Forces Mutual Membership connects you with exclusive resources for career transition, financial planning, and networking opportunities with fellow Veterans. Since 1879, we've served military families through every stage of the journey — from active duty to civilian careers, transition to supporting their survivors.
Learn More About Membership
Cover All Your Working Years
Level Term II is available for military servicemembers, Veterans, Spouses, and their children ages 18 to 75, and their grandchildren ages 18 to 26. Through the policy term, the premium and death benefit remain level. Level Term II could be the only term life insurance policy you need to protect your family through all of your earning years.
Financial Confidence
Coverage Tailored to You
Whether you’re advancing in your military career, preparing for civilian transition, or enjoying your second career as a Veteran, SGLI may no longer meet your needs and VGLI may be too expensive. Level Term II offers up to $800,000 of coverage with our most competitive rates. Unlike government options, Level Term II provides higher coverage limits, potentially lower premiums than VGLI, and predictability throughout career moves and growing financial responsibilities.
Premium Protection, Affordable Prices
You Can Do Better Than VGLI
Level Term II rates are customized to your individual age, health, and lifestyle factors, but these premiums are designed to be highly competitive and always affordable — especially when compared to VGLI. By securing Level Term II coverage now, you lock in consistent premiums for however long you need them up to 30 years. Creating predictability in your financial plan when growth and change are your norms is invaluable.
Customized Terms
Aligned with Your Life Goals
Choose anywhere between 5- and 30-year terms to align your coverage with major life milestones — whether that's raising children, paying off a mortgage, or building your post-military career. This flexibility allows you to secure appropriate coverage during your highest-responsibility years without paying for protection beyond when you need it. Your coverage amount and premium remain level throughout your selected term, providing consistent protection when your family depends on it most.
Membership Benefits
More Than Just Life Insurance
When you choose Level Term II, you get more than a life insurance policy — you join a nonprofit association of military families navigating similar life experiences. Your Armed Forces Mutual Membership connects you with exclusive resources for career transition, financial planning, and networking opportunities with fellow Veterans. Since 1879, we've served military families through every stage of the journey — from active duty to civilian careers, transition to supporting their survivors.
Learn More About Membership
Who Can Apply?
Cover All Your Working Years
Level Term II is available for military servicemembers, Veterans, Spouses, and their children ages 18 to 75, and their grandchildren ages 18 to 26. Through the policy term, the premium and death benefit remain level. Level Term II could be the only term life insurance policy you need to protect your family through all of your earning years.
Quick Answers
Want to know more?
Find answers below.
How does Level Term II compare to VGLI?
Unlike VGLI, which increases in price every five years, Level Term II locks in your premium for your entire term (5 to 30 years). Level Term II also offers up to $800,000 in coverage compared to VGLI's maximum of $500,000, and qualified applicants often secure lower rates than VGLI, especially over time.
Will I automatically lose my Level Term II policy at the end of the term or when I turn 75?
No. Level Term II has an Annual Renewable Option at the end of your policy term, which allows you to continue your coverage all the way to age 100 with new rates set at the time of your renewal.
How are the premium rate classes determined for Level Term II?
Qualified applicants receive policy premiums based on factors including age, health, and lifestyle. While Level Term II rates may be higher depending on an individual’s circumstances, our underwriting process is designed to offer competitive premiums tailored to military families.
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Secure Your Next Chapter
Lock in Premium Protection
Join the nonprofit association of military families who've secured their financial future with our most competitive rates and flexible coverage options. Get a personalized quote today and start enjoying all the benefits of Armed Forces Mutual Membership.