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Veteran Survivor Plan

Permanent Protection for What Matters Most

  • CheckmarkGuaranteed acceptance life insurance - no medical exam or questions
  • CheckmarkPermanent protection to cover your final expenses
  • CheckmarkCoverage from $10,000 to $25,000
  • CheckmarkVeterans and their Spouses, Military Widows and Widowers

About Veteran Survivor Plan

What Is Included in the Veteran Survivor Plan?

  • Guaranteed acceptance life insurance with no questions asked as long as premiums are paid, regardless of your health conditions or history.
  • A fast, easy application process — eligible applicants who apply today get approved today. It’s that simple.
  • Affordable premiums that will never increase. Your price is locked in at issuance and will never change. 
  • All the benefits of AAFMAA Membership, including Survivor Assistance Services and a secure Digital Vault to store your vital documents at no cost to you.
  • A coverage amount that will never decrease.

Who Is Eligible for the Veteran Survivor Plan?

  • Veterans, Retirees, and their Spouses
  • Surviving Military Spouses (Widows and Widowers)
  • Ages 45 to 84
  • Those who may not meet or who do not want to endure medical underwriting requirements and who do not have existing permanent life insurance coverage
  • Those aging out of their current expiring term life policies

Guaranteed Acceptance, No-Exam Life Insurance

Life insurance coverage is a crucial element in end-of-life planning to take care of your final expenses. As you or your loved one age, a guaranteed acceptance life insurance plan could be just the protection your family needs to avoid paying expensive medical and funeral bills out-of-pocket.

Unlike many other life insurance products, guaranteed acceptance life insurance is a type of policy that does not require you to answer health questions or endure a medical exam to secure coverage. It allows older Veterans and military spouses an option that will cover their final expenses and ensure their loved ones are financially cared for after they pass away, regardless of their current medical condition.

Read more: Do Your Aging Parents Have Life Insurance?

Veteran Survivor Plan: More Than Guaranteed Acceptance Life Insurance

Veteran Survivor Plan is a great option for Veterans and their spouses seeking a no-exam life insurance policy with guaranteed coverage from $10,000 to $25,000 for final expenses.

When you apply for AAFMAA’s Veteran Survivor Plan, you receive much more than just lifetime coverage. You get permanent access to the wealth of benefits that accompany AAFMAA Membership, including our exclusive Survivor Assistance Services. When the time comes, your loved ones will have the care and support of our expert staff who will ensure they receive all of the benefits you earned through your service—for the rest of their lives.

You also get 24/7 access to your own online Digital Vault in the AAFMAA Member Center where you can easily and securely store your essential documents any time, anywhere—at no cost to you.

It’s affordable, easy, and fast to apply for AAFMAA’s Veteran Survivor Plan, with no medical questions to answer or exam required. Lock in your premiums at issuance and they will never change over the life of the policy for any reason. It’s one of the best values in guaranteed acceptance life insurance available anywhere.

Affordable Premiums, Locked in at Issuance

AAFMAA offers a variety of options to suit your family’s needs and budget.

Current Monthly Rates:

Issue Age 45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-85
$10,000 33.08 37.32 48.08 58.88 69.84 94.38 123.96 169.32
$15,000 49.12 55.48 71.62 87.82 104.26 141.07 185.44 253.48
$20,000 65.16 73.64 95.16 116.76 138.68 187.76 246.92 337.64
$25,000 81.20 91.80 118.70 145.70 173.10 234.45 308.40 421.80
Issue Age 45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-85
$10,000 25.64 30.60 35.64 42.54 54.34 70.90 98.58 141.38
$15,000 37.96 45.40 52.96 63.31 81.01 105.85 147.37 211.57
$20,000 50.28 30.20 70.28 84.08 107.68 140.80 196.16 281.76
$25,000 62.60 75.00 87.60 104.85 134.35 175.75 244.95 351.95

Apply for a Veteran Survivor Plan today and get approval today with coverage for life. When you're ready, you can complete your application online or call an expert AAFMAA Membership Coordinator at 866-336-3778.

Apply Now

Download the Veteran Survivor Plan Brochure to print or share more information about this extraordinary policy opportunity with your loved ones.

Common Questions

You are conditionally approved immediately upon submitting your completed application with initial premium. Following ID and AAFMAA eligibility verification, we will issue your policy, usually within one business day.

  • Are you a Veteran, Veteran spouse, or surviving Veteran spouse (widow/widower) between the ages of 45 and 84?
  • Are you looking for an affordable permanent life insurance solution guaranteed to protect your survivors when you die?
  • Are you finding it difficult to qualify for other types of life insurance coverage or undesirable to undergo medical underwriting?

If you answered ‘yes’ to these questions, AAFMAA's Veteran Survivor Plan could be right for you. Find out today by calling our expert team of Membership Coordinators to discuss your needs and specific situation further at 877-398-2263.

Yes. As long as you qualify for AAFMAA Membership and you’re between the ages of 45 and 84, you’re guaranteed coverage with no medical exam or health questions asked. To qualify for AAFMAA Membership, you or your spouse must have served in the U.S. military and you must live in a state where AAFMAA conducts business.* Additionally, you get lifetime access to the benefits of AAFMAA Membership, including Survivor Assistance Services, and your own online Digital Vault at no cost to you—all at premiums that are 30-40% below leading competitors.

*In the following states/territories, AAFMAA is only able to issue policies to current servicemembers, military retirees, and their spouses: DC, MS, NJ, NY, UT, WA, and WI.

Exclusions and Limitations: Important: If you die for any reason in the first two years of the policy, your beneficiaries will receive a reduced death benefit equal to 110% of premiums paid.

This policy is not sponsored, recommended, offered, or guaranteed by, or associated with, the U.S. (or any) government, the U.S. Department of Veterans of Affairs, or other governmental agency or department.