Eligibility FAQs

Who is eligible for life insurance or annuities from Navy Mutual?

Navy Mutual provides affordable life insurance and annuities to those who serve (or have served) our nation. If you are an active duty, reserve/guard, or retired servicemember in any branch of the United States military or uniformed services (Army, Marines, Navy, Air Force, Space Force, Coast Guard, U.S. Public Health Service, U.S. National Oceanic and Atmospheric Administration), we’d be honored to serve you.

Products are also available to honorably discharged veterans who reside in Arizona, Connecticut, Florida, Hawaii, Maryland, North Carolina, Oregon, Rhode Island, South Carolina, Texas, or Virginia, as well as the spouse, children, and grandchildren of these servicemembers and veterans.

Read more about our Member eligibility requirements here.

I am 100% disabled. Am I able to qualify for life insurance?

An individual’s ability to qualify for life insurance is not directly dependent on their disability status. If you are 100% disabled, you are not automatically disqualified from our products. We encourage you to reach out to a representative at 800-628-6011 for more information.

I am no longer serving on active duty. Is there any hobby or activity that would prevent me from qualifying for a life insurance policy?

There are no hobbies or activities that would prevent a non-active duty servicemember from qualifying for life insurance coverage.

What does medical underwriting involve?

Medical underwriting involves a thorough review of your current medical status and your medical history. You will be asked to submit records of any medical conditions and undergo a short medical exam. This exam is free of charge and must be scheduled within 30 days of your life insurance application submission. The results of your medical review will determine your risk rating, which may affect premium pricing and your medical eligibility.