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Apply Today, Get Approved Today – It’s Easier Than Ever.

Don’t wait to protect your survivors from the burden of your final expenses. The Veteran Survivor Plan ensures that your loved ones are taken care of after you’re gone. AAFMAA created the Veteran Survivor Plan with the knowledge that while life insurance is an important part of a secure financial future, it’s harder to qualify for affordable coverage as you age. We wanted to give you an easy and guaranteed option you can trust to get the coverage you need.

  1. Acceptance is guaranteed. There’s no commitment or no medical requirements. Apply today and get approved today.
  2. Affordable premiums that never change.
  3. Rates 30-40% lower than leading competitors.
  4. Receive additional benefits of AAFMAA Membership with your policy, including our exclusive Survivor Assistance Services and Digital Vault.

AAFMAA has been here for the military community and its survivors for 143 years. Trust us to be there for you.

Complete this form, and an AAFMAA representative will walk you through the Veteran Survivor Plan application process personally over the phone. Remember, acceptance is guaranteed, and the application process is easy and fast.

Must be age 45-84 to qualify for this policy.

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Membership in AAFMAA is for military, Veterans and their families subject to certain terms and conditions.

Affordable Premiums, Locked-In at Issuance

AAFMAA offers a variety of options to suit your family’s needs and budget. Compare and you’ll see the difference. AAFMAA’s rates are 30-40% lower than leading competitors.

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

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.

It’s More Than Just a Life Insurance Policy

In addition to the confidence of affordable permanent coverage with guaranteed acceptance, you also receive the benefits of AAFMAA Membership, including:

  • Exclusive Survivor Assistance Services;

  • A free online Digital Vault to store your essential documents efficiently and securely; and

  • Affordable premiums that are locked-in at issuance and will never change.

Who is eligible:

  • US Military Retirees, Veterans, and their Spouses
  • US Military Surviving Spouses (Widows and Widowers)
  • Ages 45-84
  • Those aging out of current expiring term life policies
  • Those who may not meet traditional underwriting requirements or who do not want to undergo medical underwriting

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


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.

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.