Express Term Plus

No medical exam. Apply today!

Navy Mutual understands the unique needs of military personnel, which is why we offer Express Term Plus, a term life insurance plan that Members can secure immediately without a physical. Simply complete a brief form to obtain $250,000 of life insurance protection for a full ten years at a fixed monthly premium. There are no military restrictions or paperwork delays, and your policy becomes effective immediately upon receipt of your first premium payment.

Express Term Plus is ideal for:

  • Military members preparing for deployment.
  • Those who do not have the time or desire to complete a more extensive application.
  • And those who prefer to avoid medical exams, lab tests, and paperwork.

Available for Members between the ages of 18 and 55, Express Term Plus stays with you even after you conclude your military service. You can apply online any time of day. There are no military restrictions (no war, aviation, or terrorism clauses, nor any travel or residence location restrictions) and no physical examination. We all know how important it is to protect our families with life insurance coverage, and with Express Term Plus, we have removed all the barriers.

Special Features

Applying is simple. Start now for $250,000 of level coverage in just 10 minutes.

  1. Get a Quote: Complete the short online form to calculate your premium cost.
  2. Apply: Simply answer a few questions about yourself. We’ll immediately tell you if you qualify and let you review your policy conditions.
  3. Pay & Print: Pay your first premium by credit/debit card, and your coverage will be in place that same day. You can print your policy conditions immediately, while a formal copy of your insurance policy and provisions will be mailed to the address you provided. Your payment is collected only after the policy is approved.

Express Term Plan Highlights

  • $250,000 coverage for 10 years at a fixed premium.
  • Same-day coverage with a 10-minute, brief questionnaire.
  • No medical exam.
  • No military service restrictions, war clauses, terrorism clauses, aviation restrictions, or travel restrictions.
  • Policy continues after you conclude your military service.

For more information on Navy Mutual’s Express Term Plus, please call us at 800-628-6011.