USAA life insurance
USAA has the strongest financial strength rating available anywhere, and most people reading this cannot buy from it. Membership is restricted to the military community and their families.
Rating read from AM Best on 2 September 2026. AM Best calls A++ superior: the strongest assessment am best gives. How we check ratings.
The verdict
If you are eligible, it is an excellent company and worth quoting. If you are not, no amount of good reviews helps, and the specialist final expense carriers are where to look instead.
We do not represent USAA
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A++ Superior, the highest rating AM Best gives
- Consistently strong service reputation
- No war or aviation exclusions, unusual and meaningful for serving members
Against it
- Eligibility restricted to the military community and their families
- Not a specialist final expense underwriter
- Smaller face amounts are not the focus
How it treats your health
Conventional life underwriting, which can include a medical exam depending on product and amount.
What it actually sells
Term, whole life and other products through USAA Life Insurance Company.
The waiting period
Standard contestability applies. No guaranteed acceptance product with a two year benefit wait.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, health class, face amount and product type.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what USAA would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about USAA
Who can buy USAA life insurance?
Serving and former military members and their eligible family members. If nobody in your immediate family served, you cannot buy here.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.