Navy Mutual Members' Benefits

• Beneficiary service and support – Your survivors receive the benefits counseling and claims assistance they need that your service earned for them.
• No war clause – Many insurance companies claim to have no war clause, until a war actually happens.  Navy Mutual has paid claims since our inception in 1879, without placing military restrictions on those policies, even in times of war. 
• No military restrictions – Most life insurance providers charge extra to cover hazardous duty occupations, if they will insure you at all. We do not. Our life insurance has no aviation or terrorism clauses and so has no extra fees for military members. 
• Maximum coverage available - Unlike most other life insurance companies, Navy Mutual allows you to purchase our maximum amount of life insurance, regardless of where you are now or where you are going. 
• No sales fees or commissions – We are not a commercial life insurance company, this means lower costs for you as we have no agents or shareholders. 
• Your policy stays with you – Unlike SGLI, your Navy Mutual life insurance policy belongs to you. It stays with you as you transition from the military, providing you an inexpensive alternative to Veterans Group Life Insurance.
• Quick application for deployment – We provide expedited processing of applications from those preparing to deploy.
  
• Convenient application on the Web– We offer an easy way for military members to get their coverage in place by applying for life insurance on-line. We regularly get applications from all over the world, including war zones.
• Legal representation to the Department of Veterans Affairs – As a chartered Veterans Service Organization, Navy Mutual is uniquely poised to provide the assistance you need to get the benefits you deserve.
• Access to high quality financial planning services
• Free secure vault storage of valuable documents for Members