See if Military Term Insurance to age 90 is right for you.

  • Rates start at just $2.50/month for $50,000 of coverage (under age 30, non-tobacco user)
  • Affordable alternative to VGLI and many other military associations
  • Coverage up to $1,000,000
  • Coverage up to age 90
  • Available to non-military spouses
  • Eligible children may be covered for up to $12,500 at no additional cost*
  • Plans can go with you when you enter civilian life
  • Benefits remain level until age 70 then reduce at ages 70 and 80

MBA Military Term Insurance to age 90 was designed specifically for service members and their families, there is no war clause, no limitation on aviation-related deaths and an emergency death benefit (advance payment up to $10,000). And MBA Military Term Insurance to age 90 is underwritten by Metropolitan Life Insurance Company, one of the nation’s top insurance companies.

*Members must elect at least $100,000 of coverage.

Military Term Insurance to age 90 Rate Calculator

See how much your coverage will cost:

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Compare MBA Military Term Insurance to age 90 coverage to SGLI and VGLI.


MBA Military Term Insurance to age 90


PremiumPremiumCompetitive with SGLI, less expensive than VGLI1SGLI competitive with MBA Military Term Insurance to age 90; VGLI more expensive than Military Term Insurance to age 901
SpouseSpouseSponsored Spouse coverage up to $1,000,000Limits spouse coverage to $100,000, not to exceed the member’s coverage
Eligible ChildrenEligible ChildrenCoverage of up to 12,500 available for eligible children under age 262$10,000 limit on child coverage
After serviceAfter serviceCoverage is portable with no further underwriting or increase in premium due to separation or retirementSGLI coverage ends. VGLI is available, but at higher rates1
Terminated member coverageTerminated member coverageSpouses under this plan are members in their own right. Their coverage continues in the event the sponsoring service member terminates membership, for whatever reasonFamily SGLI (and family coverage) terminates when the service member and spouse are permanently separated for any reason
Payment optionsPayment optionsSeveral options, including credit card, electronic funds transfer, allotment and billing scheduleSGLI automatically deducts the premium from the service member’s military pay; member must opt-out of coverage
Coverage increaseCoverage increaseMBA members can apply for an increase in coverage up to a maximum of $1,000,0003SGLI/VGLI coverage is limited to $400,000
Disability & healthDisability & healthMBA membership and coverage can remain active during and after the transition to civilian life, regardless of health at the time of separation or retirementService members who are totally disabled at the time of separation or retirement may not qualify for coverage under VGLI if they have serious health problems
Additional benefitsAdditional benefitsSavings on tuition for members and family, preventive health screenings, a Scholarship Program for dependents, savings on auto and home insurance and other benefits that can help you stay healthy and save money; click here for details

1For non-tobacco users.
2Members must elect at least $100,000 of coverage.
3Your application is subject to review and approval by MetLife based upon its underwriting rules.

Compare MBA Military Term Insurance to age 90 rates.

Member Monthly Premium Per $50,000 Unit of Coverage (Maximum Coverage up to $1,000,000)*

*Rates increase at 5-year intervals until age 90 when coverage ends.

Member’s Attained Age

Non-Tobacco User Premium

Tobacco User Premium

For more info: 1 877-622-1020 Existing members: 1 800-336-0100