Member Benefits

We are more than a life insurance provider.

We want to make sure that you live your best financial life, from start to finish.

Membership with Navy Mutual is reserved for active duty, reserve/guard, and retired servicemembers in any branch of the United States military or uniformed services. (Are you eligible?) By becoming a Navy Mutual Member, you and your family can take advantage of:

Veterans Services

Navy Mutual is the nation’s oldest federally recognized Veterans Service Organization (VSO). As a VSO, we are authorized to represent and assist veterans and their beneficiaries in applying for and contesting benefits claims before the VA. Veterans of any branch of the U.S. uniformed services and their survivors are eligible for VSO services from Navy Mutual at no charge.

Vault Storage

Storing your documents in a safe and secure location is critical when it comes to estate planning. To help you feel confident in your choice of location, we have made our own vault available for our Members to utilize. Stored in our facility, your files will be watched over and protected like they are our own – whether you need to store your DD-214, Last Will and Testament, power of attorney, or advance directives. The vault is maintained by the Navy Mutual Customer Service department.

Dental and Vision

We are pleased to offer discounted dental coverage for preventative, basic, and major dental expenses. Coverage options include routine exams, cleanings, and fillings. Certain plans may also cover orthodontics, teeth whitening, dentures, and crowns. You can also opt in to a vision plan that can help you save money on covered vision expenses, including eye exams, frames, and lenses.


With MDLive TeleHealth, you can get professional medical help from the safety and comfort of your home. No matter when illness strikes, telehealth allows you to visit with a doctor using your smartphone, tablet, or computer at any time of the day, seven days a week, 365 days a year. Navy Mutual Members can take advantage of two free months of coverage for their families. Those who wish to continue coverage after the two-month period can expect to pay $8.99 per month for single subscribers and $9.99 per month for families.

Pet Wellness Plans

Wagmo Pet Wellness Plans give you cash back for the everyday care your pets need to stay healthy. This includes services like routine veterinary visits and bloodwork, grooming, vaccines, and more. Wagmo offers three plans to choose from with up to $1,100 in reimbursement per pet, per year. Navy Mutual is excited to offer Members a discount on Wagmo Wellness plans for cats and dogs. Save 10% each month by entering promo code NAVYMUTUAL10 at checkout. Note that this discount does not apply to pet insurance plans.


Whether you are active duty, a retiree, or a veteran, moving and storage needs are a fact of life. With that in mind, Navy Mutual is thrilled to bring our Members a discount on moving and storage through PODS. No matter your military status, as a Navy Mutual Member, you are eligible for this benefit – and can save up to 10% on your rental needs. Use the promo code NAVYMUTUAL to receive your discount.

Home Security

ADT provides the type of protection you want for your home through security alarm systems. Packages are customizable to your home and may contain door and window sensors, motion detectors, smart locks, and video surveillance – and all come with 24/7 professional monitoring after you select a monthly monitoring program. Navy Mutual Members who activate a home alarm with ADT will receive a $100 VISA gift card and a free video doorbell, to be installed free of charge.