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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. Our representatives are standing by to answer your questions and help you find the right coverage to protect your loved ones. Are you eligible?

Use our quote tool to see what your rates could be for term or whole 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

At Navy Mutual, our representatives help servicemembers and their families navigate the process of determining what type of coverage fits their needs.

Schedule a consultation today.

 

How much life insurance do you need?


There are a lot of things to consider when it comes to picking the right amount of coverage. Let us do the math for you. Use Navy Mutual’s Basic Life Insurance Calculator to get an estimate.

Do the math.

 

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 or whole life insurance with Navy Mutual.

 

Term Life Insurance

Whole Life Insurance

Length of coverage
● Typically 10–30 years● The insured's entire life if premiums are paid
Benefits● Tax-free cash benefit if the insured passes away within the term● Tax-free cash benefit upon the death of the insured
Additional Features● Possible 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
Cost● Relatively 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

At Navy Mutual, our representatives help servicemembers and their families navigate the process of determining what type of coverage fits their needs.

Schedule a consultation today.


 

Have questions about life insurance? We have answers.

Life Insurance FAQs


 

We are more than a life insurance provider. We want to make sure that you live your best financial life, from start to finish, so we gathered all of our resources in one place.

Visit the resource center.

We are here to discuss your specific needs.
Questions? Call 1-800-628-6011