Military insurance benefits — SGLI and VGLI life insurance, USAA, GEICO, and AAFMAA, plus military auto and home discounts.
Start with the coverage you already have
Before shopping, know what service provides. SGLI gives active-duty members up to $500,000 in low-cost life insurance, and after separation you can convert it to Veterans' Group Life Insurance (VGLI) without a new medical exam. Member-owned providers like USAA and AAFMAA were built specifically for the military community and often beat commercial rates.
Auto and home discounts
Most major insurers give military discounts on auto and home policies. GEICO and Progressive offer military pricing widely, while some carriers like Nationwide run state-specific offers — so check availability where you live. USAA, open to service members, veterans, and their families, is consistently rated at the top for military auto and homeowners coverage. Always compare quotes; the 'military discount' at one carrier can still be pricier than another's standard rate.
Read the eligibility
USAA and AAFMAA are membership-based, not simple discounts — eligibility ties to service or a family connection. Life-insurance conversions like VGLI have strict deadlines after separation. Each listing below shows the benefit and who qualifies; for life insurance especially, don't miss the post-separation conversion window.
19 verified insurance discounts
A
AAFMAA (Army & Air Force Mutual Aid)
MILITARY-ONLY
✓ Active duty servicemembers, military retirees, veterans, Guard & Reserve members, military spouses and survivors
AAFMAA provides life insurance, mortgage services, and wealth management exclusively to the military commun…
A
Armed Forces Benefit Association (AFBA)
MILITARY-ONLY
✓ Active duty military, veterans, retirees, Guard & Reserve, federal employees/contractors, first responders, and families
AFBA (founded 1947) provides life insurance, financial, and wellness member benefits exclusively to active …
A
Armed Forces Insurance
MILITARY-ONLY
✓ Active, Retired, Guard, Reserve
Military-only property and casualty insurance since 1887. Covers homeowners, renters, auto, and personal pr…
C
Centene / Wellcare
MILITARY-ONLY
✓ Veterans 65+
Through Wellcare subsidiary, exclusive Medicare partner with The American Legion for veterans 65+. Health N…
E
Elevance Health / Anthem
FREE
✓ Veterans 65+ (select markets)
Anthem Veteran PPO Medicare Advantage Plan with $0 monthly premium and $90/month Medicare Part B Give Back …
F
Figo Pet Insurance
5% OFF
✓ Active duty, veterans, Guard/Reserve; most states except FL, NY, TN, WA
Figo offers a 5% military and veteran discount on pet insurance policies in most states; excluded in FL, NY…
G
GEICO
UP TO 15% OFF
✓ Active, Retired
Up to 15% off auto insurance for active duty and retired military. Special storage rates for deployed vehic…
