Better Alternative Coverage and Contributions
AFBA's Better Alternative is available from $50,000–$400,000
in $50,000 increments.
Flyers are covered at no additional cost.

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.
We also have permanent universal and whole life coverage that will never change or increase