Business Details
35 Years
experience
Trusted Life Insurance for National Guard Members
National Guard State Sponsored Life Insurance has been dedicated to providing comprehensive group life insurance solutions for National Guard members and their families since 1991. Our programs are designed with unique protections, including portability after active service and no exclusions for service-related deaths. We partner with industry leaders like New York Life Insurance Company, Military Benefit Association, and Uniformed Services Benefit Association to offer flexible coverage options tailored to military service members' needs.Our policies feature optional spouse and child coverage, level premiums for specific terms, and accelerated death benefits for terminal illness diagnoses. With over three decades of experience serving military communities, we maintain a strong reputation for fast claim processing and customer-centric policy design. Our team combines deep military understanding with insurance expertise to deliver reliable financial protection solutions that meet evolving service member requirements.
Services
Group Term Life Insurance
Supplemental Term Insurance
10-Year Term Policy
15-Year Term Policy
Spouse Coverage
Child Coverage
Accelerated Death Benefits
Portability Options
Guaranteed Issue Coverage
Family Survivor Benefits
Details
- Year established: 1991
Highlights and features
- We offer portable policies that remain valid after active service separation
- No exclusions for service or war-related death coverage
- Optional spouse and child coverage available with all policies
- Partnerships with A+ rated insurance carriers since 1991
- Streamlined application process with guaranteed issue options
Services
Group Term Life Insurance
Our Group Term Life Insurance provides essential protection for National Guard members with coverage options up to $20,000. This foundational policy includes automatic $1,000 basic benefit paid by your association, with optional spouse and child coverage available. Coverage remains in effect until age 100 with premium rates that stay level throughout the policy term.
10 Year Term Policy
The 10 Year Term Policy offers guaranteed level premiums and death benefits up to $500,000. Designed for members seeking mid-term financial protection, this policy allows continued coverage until age 84 with guaranteed renewal options. Premiums start at $4.50 monthly for preferred rate applicants, with no medical exam required for eligible members under 50 seeking $250,000 or less.
15 Year Term Policy
Our 15 Year Term Policy provides extended protection with level premiums and benefits up to $500,000. This option maintains consistent rates for the full term period while allowing coverage continuation until age 84. Starting at $5.75 monthly for preferred applicants, the policy includes guaranteed renewability for additional terms with premium adjustments, ensuring long-term financial security planning flexibility.
Spouse Coverage
Spouse Coverage extends protection to military families with customizable options matching member coverage levels. Available up to $500,000, this benefit ensures financial security for partners through simplified enrollment during initial application. Premiums remain level throughout the policy term, with coverage portability maintained even after active service separation when maintaining association membership.
Child Coverage
Child Coverage provides financial security for families with dependent children through customizable options up to $15,000. Automatically including $1,000 basic coverage from birth, this policy extends protection until age 26 with affordable premiums starting at $1.50 monthly. Coverage amounts directly correlate with member's selected protection level, ensuring comprehensive family financial planning solutions.
Questions
Who is eligible for National Guard State Sponsored Life Insurance?
Active and associate National Guard members under age 69 through participating associations in 19 states qualify for coverage options.
Can I keep my coverage after leaving active service?
Yes, policies remain portable through association membership continuation, allowing coverage retention beyond active duty service.
Are there exclusions for service-related deaths?
No, our policies provide full coverage without exclusions for service or war-related death scenarios.
What family coverage options are available?
Spouse and child coverage options match member benefits, with guaranteed issue availability up to specified limits.
How do premium rates work?
Rates stay level through policy terms with options for 10 or 15-year guarantees, featuring competitive pricing starting at $4.50 monthly.
