Find the Right Policy for You

Individuals in the following groups are eligible to access Armed Forces Mutual products, services, and benefits: All ranks of the US Army, Marine Corps, Navy, Air Force, Space Force, and Coast Guard, including:

• Active Duty (or within 120 days after separation)
• Guard or Reserve (full- or part-time)
• USMA, USNA, USMMA, USCGA, and USAFA cadets or midshipmen
• ROTC contract/scholarship cadets
• Military Retirees
• Veterans, residing in specific states*
• Current and retired members of the uniformed services
• Current Active, Veteran or Surviving Military Spouses
• Children and grandchildren of Armed Forces Mutual Members

You Come First: You matter to us, and there are no penalties or fees if you need to terminate your policy.

Flexibility: You get the coverage you need at the price you want through every stage of life.

Longevity: You can keep your coverage even after you leave the military.

Survivor Benefits: You can protect the loved ones you leave behind with lifetime survivor assistance.

Military Focus: You’re covered — even when you are training or deployed.

Confidence: You can secure protection for your family with up to $1,000,000 of coverage.

If anyone relies on you financially — whether through income or contributions like home management or 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, identify 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, Armed Forces Mutual 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.

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 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.