USAA Life Insurance Company Introduces New Secure Start™ Whole Life Policy For Children’s Lifelong Coverage

Expands USAA’s refreshed portfolio to serve more member needs and life stages

SAN ANTONIO--(BUSINESS WIRE)--USAA Life Insurance Company is expanding its life insurance portfolio to serve families across generations with the launch of USAA Secure Start™ Whole Life. This new insurance product for children is designed to do more than provide financial protection in the unexpected – it makes it easier for parents and grandparents to build lasting coverage that grows with a child over time.

The USAA Educational Foundation reports that military life is shaped by frequent transitions that require proactive financial planning. By securing coverage early, Secure Start helps families lock in guaranteed insurability and create a financial foundation that can support children throughout their lives.

“Military families face unique financial demands, and many are balancing today’s needs with tomorrow’s goals,” said Rob Arena, President of USAA Life Insurance Company. “Secure Start is designed to meet families where they are—making it simple to begin building protection and financial resilience for the next generation early, so children can carry that foundation with them for life.”

Building a Foundation for the Future

Secure Start provides coverage for children from 15 days to 17 years old, with protection options ranging from $25,000 to $100,000. Designed to grow alongside them, it helps ensure their financial foundation evolves as their life does. Key features of the product include:

• Guaranteed Future Insurability: Ability to increase coverage up to six times after major life events without a medical exam.
• Lifelong Financial Value: As a permanent life insurance solution, Secure Start builds cash value over time, which can be helpful in the future.
• Flexible Premium Options: Choose level premiums for life or complete payments in 20 years, giving your child or grandchild lifelong coverage with no future premiums required.
• Fast, Simple Application: Answering a few simple health questions makes it easier to secure permanent protection – without unnecessary delays.

“Our goal is to get families talking – no matter where they are in life,” said Arena. “USAA is here to help them understand their needs and take steps toward a stronger financial future.”

USAA recognizes that financial protection is not one-size-fits-all, and its recent product expansion reflects a focused commitment to serving a broader range of member needs. Secure™ Whole Life provides dependable, lifelong coverage with stable premiums and cash value growth, while Secure™ Final Expense – introduced last month – offers a simple, accessible way to help cover end-of-life costs and ease the financial burden on loved ones.

Together, these offerings demonstrate USAA’s ongoing effort to meet families where they are, whether they’re just beginning to plan or looking to strengthen existing coverage, and help them take meaningful steps toward lifelong financial preparedness.

To explore USAA Life Insurance Company’s full range of offerings designed to support members at every stage of life, visit usaa.com/life.

About USAA

Founded in 1922 by a group of military officers, USAA is among the leading providers of insurance, banking and retirement solutions and serves more than 14.5 million members of the U.S. military, veterans who have honorably served and their families. Headquartered in San Antonio, USAA has offices in seven U.S. cities and four overseas locations and employs more than 36,000 people worldwide. Each year, USAA supports national and local nonprofits serving military families and communities. With Honor Through Action, USAA advances policy, advocacy and philanthropy to support financial security, build meaningful careers and promote overall well-being across the military community. For more information about USAA, follow us on Facebook or X (@usaa), or visit usaa.com.

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.

USAA Secure Start™ Whole Life rates vary by age, gender, and payment duration selected. Underwriting review and approval is required. Life Insurance coverage lasts to age 121, provided you continue to pay sufficient premiums, or policy has been paid up. Form ICC25518183 04-25 (may vary state by state). Not available in NY or WA.

USAA Secure™ Whole Life: ICC25517453 03-25 (may vary by state) not available in New York or Washington.

The Life Event Option (LEO) rider is available at no additional cost with USAA Secure Whole Life, form number ICC25517453 03-25 (may vary by state) and USAA Secure Start Whole Life, form number ICC25518183 04-25 (may vary by state). It allows you to request additional whole life insurance up to six times after specified events. Additional insurance limited to the amount of base policy coverage, with total coverage after increases limited to $1 million. Increases provided by additional whole life policies and require payment of additional premiums. Rider expires at age 45. The rider is subject to issue age limitations and other terms, limitations, and conditions. Rider form: ICC22502635 06-22 (may vary by state) not available in New York.

USAA Secure™ Final Expense Whole Life Insurance has two death benefit options determined at the time of underwriting: Level Death Benefit: Form ICC26503574 10-25, and Graded Death Benefit: Form ICC26503576 01-26, (may vary by state). This product is not available in New York.