Level II Plus Term Life Insurance

Affordable coverage up to age 85


Keep your loved ones protected even after you leave the service. The Level II Plus plan picks up where your Servicemembers’ Group Life Insurance (SGLI) leaves off – providing flexible protection with a guaranteed level premium.

Choose the coverage amount and length of coverage that’s right for you:

  • $50,000 up to $1,000,000 in $10,000 increments
  • Five years or more in one-year increments

Your premium is based on your age, coverage amount, length of term elected, and health-based risk rating approved by underwriting.

  • Affordable coverage – You enjoy significant savings over what you might pay for Veterans’ Group Life Insurance (VGLI)
  • 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)

Level II Plus is ideal for those ages 45 to 75 who have left or are preparing to leave the service. (Policy must be purchased before the insured’s 75th birthday.)

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 Level II Plus Term policy to a Flagship Whole Life policy during your first five years of coverage with no medical exam. Your new premium will be based on your age and our standard rates at the time of conversion.

Extended Guaranteed Convertibility Rider
For an additional premium, you can purchase an extended right to convert to a Flagship Whole Life policy without a medical exam beyond five years. With this rider, you can convert at any time before age 70 or five years before the policy’s termination age, whichever occurs first.

Questions? Call 1-800-628-6011

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