This post is sponsored by USAA Life Insurance Company and USAA Life Insurance Company of New York. All opinions are my own.
For many families navigating military life- deployments and extended trainings are more than a possibility… they’re a very present reality. While we’re focused on all things deployment – from care packages to countdown chains– it can be easy to forget one tough conversation that’s critical to tackle ahead of a deployment… Life Insurance Coverage.
Purchasing life insurance before deployment is a choice that can transform our sense of family security, offering stability in uncertain times. Wondering why my own family prioritizes life insurance decisions ahead of a deployment? I’m breaking it down here!
Why Life Insurance Matters
Even though the conversation can feel difficult, I’ve learned that having even one less thing for my family to worry about during a deployment season can completely transform our mindsets. It’s kind of like it’s own form of self care. Even if it’s not something I think about every day- Life Insurance is a MAJOR one less thing that provides a sense of security in a few different ways:
Financial Continuity: We know that deployment adds an element of unpredictability to our lives. Life insurance provides a safety net by guaranteeing that- in the event that the insurance is needed- our family always has the ability to keep moving forward by acting as a replacement for the income of the person we’ve insured.
Debt Management: Most of us are already aware of how deployment can impact our financial obligations – and we’re probably most aware of the major ones like our mortgages and loans. Life insurance alleviates debt burdens, allowing families to focus on healing and moving forward instead of grappling with financial pressures.
Education and Aspirations: For families with children, life insurance secures their future, providing the means to pursue education and aspirations even in the absence of the primary earner.
Peace of Mind: Deployment can be mentally taxing, and life insurance brings peace of mind. It allows everyone to concentrate on their roles at home and abroad without the constant shadow of financial uncertainty.
Peace of Mind
Here’s the thing- when your loved one is deployed, feeling financially secure is like having a reassuring hug. It’s about more than preparedness- it’s also about peace of mind. Deployments can be draining– and and knowing that your family’s financial situation is protected makes a huge difference.
While it isn’t always a scenario we want to think about, it’s important that we do. I know that if I’m ever in a situation where life insurance is needed, worrying about how our family will keep the lights on, put food on the table, or take care of regular bills isn’t where I want my focus to be.
Choosing Your Insurer
Deciding where to go for Life Insurance Coverage is about more than just dollars and cents (although that matters too!). There are a few reasons why my family chooses USAA Life Insurance Company and USAA Life Insurance Company of New York –
Coverage That Actually Covers: USAA’s Life Insurance doesn’t leave anything out. It means that loved ones have the money they need, in that moment that they need it most. We especially appreciate how easy it us to understand what we need and to update our policy as life changes happen (like when we welcomed our first little one this year!)
Real People Who Really Care: Did you know that USAA has a dedicated Survivor Relations team? I know that if the moment arises where my partner or I need to access our Life Insurance benefits, this team is here to help us manage the details (like paperwork) so we can focus on healing.
Accessible & Realist: Before I started shopping around for life insurance coverage I assumed that it would be a cost our family just couldn’t carry. But, I realized quickly that with USAA it can be less than the cost of some of my entertainment subscriptions (looking at you Disney Plus!). With premiums starting as low as $12 per month, Life Insurance Coverage with USAA is accessible and realistic for our family.
Help When You Need It: Did you realize that most life insurance companies do not provide protection for service members during war time? I know- I was shocked too! But USAA Life Insurance Company and USAA Life Insurance Company of New York does. For our family, knowing we’re covered in that moment where we may be feeling most worried or vulnerable is so important.
Benefits that Benefit Our Families: With USAA Life our family has access to Military Protection Plus, which provides two incredible features. First, a Severe Injury Benefit which provides $25,000 to help with the expenses in the event of certain severe injuries occur while in the line of duty. Plus, we’re guaranteed that when my partner exits the military, no matter his health, he will be able to replace his SGLI without a medical exam. Knowing that we’re covered for the long run provides us with an added layer of certainty in this often uncertain military life that we live!
Personal Service, Just for Us: USAA is all about making things personal so you can access the right insurance for your family. They have experts who get what military life is like. Remember the days when you could speak to a real human to ask questions and get expert advice? So does USAA Life- and they still make it happen! Speaking to a representative over the phone means you can ask questions and get real answers when making life insurance decisions. They’ll work with you to make sure your life insurance plan fits your family perfectly. It’s not one size fits all – it’s all about what’s right for you.
Tackling the life insurance conversation before a deployment can feel tough- but it’s a profound gesture of love and responsibility towards our families, bridging the gap between the uncertain and the secure. It ensures that your family can thrive, dream, and grow, even in the midst of uncertainty.