Flex Term Life Insurance

Flexible coverage at the lowest cost


Protect your loved ones with term life coverage of $50,000 up to $1,000,000. Premium costs are guaranteed for the duration of your policy, and your coverage stays with you after you leave the service.

  • Flexible coverage – You choose and pay for the coverage level that’s right for you
  • Guaranteed premiums – You pay the same amount for as long as you’re covered
  • No military service restrictions – There are no war, aviation, terrorism, or travel clauses (for those on active duty)

Flex Term is ideal for those ages 18 to 45 (35 for nicotine users). This policy can supplement your Servicemembers’ Group Life Insurance (SGLI) coverage.

Additional Member Benefits


Accelerated Death Benefit
Once you’ve been covered for at least five years, you could receive most of your term life benefit in one lump sum if you become terminally ill. There is no additional cost for this important protection.

Child Benefit Rider
For just $2.50 more per month, you may be able to add $10,000 of coverage for your unmarried, dependent child(ren) up to age 26. Your application must be submitted before the child’s 21st birthday.

Guaranteed Convertibility
You can convert your Flex Term policy to a Flagship Whole Life policy at any time before your 48th birthday (or 38th birthday for nicotine-rated contracts) with no medical exam. Your new premium will be based on your age and our standard rates at the time of conversion.

Life Insurance Needs Calculator

Find out how much life insurance you may need.

Life Insurance Basic Training

Get answers to questions you may have about life insurance.