USAA Life Insurance Company

USAA Eagle Express Term Life Insurance

Get $250,000 in coverage starting at $14 a month with same-day protection, if you qualify. ^{See note1}

Get a quote for life insurance

Our fastest and easiest way to protect your loved ones

Eagle Express is a term life insurance policy that’s great for people ages 18 to 70 who want flexible coverage. It offers protection with coverage and premiums fixed for a set period, or term.

Easy application

Add a few details about yourself and select your coverage. You may not need a medical exam. ^{See note2}

Fast decision

Find out if you're approved and customize your coverage.

Flexible coverage

Get protection from $100,000 to $10 million for 10 to 30 years.

Your policy includes online estate planning.

When you purchase a USAA Eagle Express term life policy, you’ll get a free will or trust package from Trust & Will, a leader in online estate planning. ^{See note3}

Trust

This includes a revocable trust, certification, all your will documents and a schedule of assets.

Will

This includes a last will and testament, power of attorney, medical info authorization and medical directive, or living will.

Printing and shipping

Trust and Will can print and ship documents you need free of charge.

Other level term coverage features

Life events option

When you buy a policy before you're 35, you can add $100,000 of coverage if you get married, have a baby or buy a home before you're 45. ^{See note4}

Convertible to permanent

Getting coverage when you’re young can lock in a lower rate. You can convert it to permanent coverage after 1 year with no medical exam. ^{See note5}

Why choose level term life insurance through USAA?

Our life insurance company gets high ratings from A.M. Best: A++, Moody's Investors Service: Aa1 and S&P Global Ratings: AA. ^{See note6}

Extra features for service members

Our term life policy has extra features for the military,  including: ^{See note7}

• Coverage during war.
• Up to $25,000 to help with expenses caused by a severe injury.
• Guaranteed coverage after leaving the military.

Support for you and your loved ones

You can trust that we’ll be there for the people who matter most to you. Our Survivor Relations team is here to help your family understand their options and next steps to take after the loss of a loved one.

1. Rates shown are for a 20-year term for a 35-year-old male at best risk class available for these products. Risk class is determined by factors such as tobacco use, health, family medical history and lifestyle. Quotes provided are intended for estimate purposes only. We round up your life insurance needs amount to the nearest commonly purchased coverage amount. The presented quote may represent a higher amount of coverage than you apply for. Your actual premium will be determined by underwriting review. Eagle Express: Premiums remain level for the duration of the Initial Benefit Period. Form ICC24516783 11-24 (varies by state). Go to usaa.com for details on specific policy costs, benefits, limitations and availability in your state. Not available in NY.
   

2. As of June 1, 2025, A.M. Best: A++, Superior (highest of 16 possible ratings); Moody's Investors Service: Aa1, Excellent (second highest of 21 possible ratings); S&P Global Ratings: AA, Very Strong (third highest of 21 possible ratings). Ratings are subject to change. Ratings apply to USAA Life Insurance Company and USAA Life Insurance Company of New York not to the products or services they provide. Company ratings represent an opinion of financial strength and the company's ability to meet ongoing obligations to policyholders. Ratings refer to the claims-paying ability of the insurance company and do not reflect the safety or performance of any product. The rating agencies listed are independent of each other and use proprietary evaluation criteria and ratings scales. For the latest Financial Strength Ratings, visit www.ambest.com, www.moodys.com and www.spglobal.com/ratings.

3. Military Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Eagle Express Life Insurance: coverage and premiums remain level for the duration of the policy. Term Policy Form (ICC24516783 11-24) (may vary by state). Not available in New York. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form ICC23509575 11-23 (may vary by state). Military Severe Injury Benefit Rider not available in New York.

4. Military Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Level Term V: coverage is level for the duration of the policy. Premiums remain level for the duration of the Initial Benefit Period, then increase annually. Term Policy Form ICC2099555 01-20 (may vary by state); in New York, New York Term Series V: Form NLT99235NY 06-20. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Severe Injury Benefit Rider not available in New York. Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form LBR97953ST 03-14 and ICC1497953 03-14 (may vary by state); in New York, Form NBR97955NY 04-15.

5. Increases in coverage more than two times the base policy face amount up to the current maximum Servicemembers' Group Life Insurance (SGLI) amount depends on your health and is subject to underwriting approval.

Related footnotes:

1. No Department of Defense or government agency endorsement.

2. New York Residents — Domestic Violence Information. New York Insurance Regulation 168, titled "Confidentiality Protocols for Victims of Domestic Violence and Endangered Individuals" requires us to provide you with information related to Insurance Law 2612, which relates to discrimination based on being a victim of domestic violence, the regulatory required confidentiality of information protocols and the contact information for the New York State Domestic and Sexual Violence Hotline. You may download and print the information here (PDF).

3. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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