Better Alternative Coverage and Contributions
AFBA's Better Alternative is available from $50,000–$400,000
in $50,000 increments.
Military Flight Crew Coverage
Flyers are covered at no additional cost.
Contribution Chart
Monthly Contributions
for Male and Female, Non-Tobacco Users* |
|
$50k |
$100k |
$150k |
$200k |
$250k |
$300k |
$350k |
$400k |
Active Duty, Guard, Reserve,
or Retired:
18-39 yrs. |
$3.25 |
$6.50 |
$9.75 |
$13.00 |
$16.25 |
$19.50 |
$22.75 |
$26.00 |
Active Duty, Guard, or
Reserve only:
40-49 yrs. |
$3.75 |
$7.50 |
$11.10 |
$14.70 |
$18.30 |
$21.85 |
$25.40 |
$28.95 |
| Retired or Separated: 40-49 yrs. |
$7.50 |
$15.00 |
$22.00 |
$29.00 |
$36.00 |
$43.00 |
$50.00 |
$57.00 |
| Spouse: 18-34 yrs. |
$3.00 |
$6.00 |
$9.00 |
$12.00 |
$15.00 |
$18.00 |
$21.00 |
$24.00 |
| Spouse: 35-39 yrs. |
$3.25 |
$6.50 |
$9.75 |
$13.00 |
$16.25 |
$19.50 |
$22.75 |
$26.00 |
| Spouse: 40-49 yrs. |
$4.50 |
$9.00 |
$13.00 |
$17.00 |
$21.00 |
$25.00 |
$29.00 |
$33.00 |
Military member or Spouse:
50-59 yrs. |
$17.50 |
$35.00 |
$52.00 |
$69.00 |
$86.00 |
$102.00 |
$118.00 |
$134.00 |
Military member or Spouse:
60-69 yrs. |
$32.00 |
$62.00 |
$92.00 |
$122.00 |
$152.00 |
$180.00 |
$208.00 |
$236.00 |
* Tobacco user contributions are two (2) times non-tobacco
user contributions. Tobacco user is one who has used any tobacco
product in the past 12 months.
Note: AFBA reserves the right to change contributions in any year
subsequent to issue of your coverage based on interest rates
and mortality experience.
Children's Rider
Dependent children under 21 (23 if a full-time student) are
eligible for coverage under a Children's Rider for a maximum
of $25,000. All eligible children are covered under one contribution.
Statement of Health questions must be answered for all children.
- All Age Groups: 1 to 5 units of coverage available for eligible
children.
- Ages 15 days to 6 months: $1.00 per $1,000 unit with a maximum
of 5 units ($5,000).
- Ages 6 months to 21 years (23 if a full-time student): $1.00
per $5,000 unit with a maximum of $25,000.
Monthly Contributions
for Children's Coverage* |
| Child's Age |
$1,000 |
$2,000 |
$3,000 |
$4,000 |
$5,000 |
$10k |
$15k |
$20k |
$25k |
| 15 days - 6 mos. |
$1.00 |
$2.00 |
$3.00 |
$4.00 |
$5.00 |
N/A |
N/A |
N/A |
N/A |
| 6 mos. - 21 yrs. |
N/A |
N/A |
N/A |
N/A |
$1.00 |
$2.00 |
$3.00 |
$4.00 |
$5.00 |
* Dependent children coverage continues through age 21, or age
23 if full-time student.
|
