Protect What Matters Most

Navy Mutual has been providing quality, affordable life insurance to active duty and retired servicemembers, veterans, and their families for over 140 years. Whether you want another policy outside of SGLI or are looking for an alternative to VGLI, our representatives are standing by to answer your questions and help you find the right coverage to protect your loved ones. Are you eligible?

Supplement your SGLI or VGLI with Navy Mutual life insurance. Our instant quote tool can show you what your rates could be for term life insurance coverage.

I've been with NMAA for 25 years because they offer competitive rates, provide responsive friendly customer service, and always follow through on their promises! Thank you.

- Jonathan N., Member since 1993

Choosing the Right Policy for Your Needs

Most people can benefit from the peace of mind that life insurance provides. It is a promise that you make now to protect your loved ones in the future. Determining the appropriate type of insurance for your family involves several factors:

  1. The need(s) you are protecting
  2. The amount of time you will need the coverage
  3. The premiums you can afford

With no active duty service restrictions, our military life insurance follows you wherever your service takes you. If you have questions, our representatives are available to help servicemembers and their families navigate the process of determining what type of coverage fits their needs.


How much life insurance do you need?

SGLI and VGLI only offer $500,000 of protection. Is that enough coverage to protect your family? Think about your family’s outstanding debt, upcoming education fees, and anything else your family would need to pay for after your passing. Navy Mutual’s life insurance policies offer up to $1.5 million in coverage.


Term Life Insurance

Term life insurance is a simple and affordable way to protect your loved ones for a specified duration. Level premium payments result in a death benefit that can be used to pay off debt or a mortgage, fund a child’s education, cover final expenses, or help replace lost income.

Whole Life Insurance

Whole life insurance is permanent life insurance. This coverage combines a guaranteed death benefit and fixed premium with the option to access the policy’s tax-advantaged cash value and potential dividends while the insured is still alive.


Click to get a quote for term life insurance with Navy Mutual.

Or, request more information about whole life insurance coverage.

Term Life Insurance

Whole Life Insurance

Length of coverage
Typically 10–30 yearsThe insured's entire life if premiums are paid
BenefitsTax-free cash benefit if the insured passes away within the termTax-free cash benefit upon the death of the insured
Additional FeaturesPossible renewal and conversion options

Can potentially obtain the death benefit early in the case of terminal illness
Accrues additional value

Often able to borrow against the policy

Can potentially obtain the death benefit early to fund long-term care expenses

Can potentially obtain the death benefit early in the case of terminal illness
CostRelatively inexpensive, with age- and health-based premiums

Premium levels are guaranteed to remain the same for the duration of the term
Typically requires higher premiums than term life policies

Premium levels are guaranteed to remain the same for life

We are here to discuss your specific needs.
Questions? Call 800-628-6011