NGAA Insurance Benefits
NGAA offers several different insurance policies to Guard members and their families.
Group Term Plan (more info)
- FREE coverage of $10,000 for one year to new enlistments
- $50,000 coverage available to all service members
- Payable in event of death from any cause
- No war or suicide clause
- Full conversion privilege upon termination, regardless of health
- Death benefit paid within 24 hours of notification
- Your spouse and children can be covered under this plan also
- Can be payroll deducted from your drill pay
- Coverage may be extended at the same rate, even if separated from the Guard
Whole Life Savings Plan (more info)
- Six medical questions determine eligibility
- This plan accumulates cash value
- Premiums remain the same and never increase
- Can be payroll deducted from your drill pay
- Covers just you, just your spouse, or both of you
- Amount of coverage is based on your age or your spouse's age at time of enrollment
- Once insured, your coverage will not reduce
- Add a children’s insurance rider. No matter how many children you have -- one or ten -- you pay only one premium amount
- Additional whole life policy available that requires no medical questions; however, rates do vary
- Contact NGAA for more information and eligibility
AFLAC Plan
- AFLAC cancer, dental, hospital indemnity and specified health event plans are available for service members and their families
- Cancer and dental coverage includes service members and families 24/7 regardless of the service member’s duty status
- Hospital indemnity plan and specified health event coverage provides protection for family members 24/7 but excludes the service member while he/she is in a military duty status
- Contact NGAA for more details
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