Smart Protection
BeyondBasic® — Security with Benefits
Your military career is just beginning. Secure your future with $100,000 of additional coverage that stays with you long after SGLI ends.
Legacy Starts Here
Why Joining Armed Forces Mutual Matters
Smart financial decisions early in your career create greater opportunities for your future.
Beyond Standard-Issue Coverage
SGLI is just the beginning — BeyondBasic® adds crucial protection that stays with you plus lifetime Membership with Armed Forces Mutual.
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Easy Access
Apply in minutes from any device, anywhere.
Build a Financial Foundation
Life insurance is your cornerstone for a more secure future. The earlier you start, the better off you will be.
Join Our Community
Armed Forces Mutual is a nonprofit association of military people helping military people. As a Member, you can enjoy all the advantages this mutual benefit structure gives you.
Quick Facts
Why Do You Need BeyondBasic® Now?
You get the coverage you need at a price you can afford. An offer this good isn’t available to just anyone. But you’ve got a limited window of eligibility, so act now.
Eligibility Limited. Act Now!
BeyondBasic was created specifically for all ranks of servicemembers who are early in their career or who are training to be officers. To qualify, you must be active-duty military or a member of the National Guard or Reserve with a qualifying military physical conducted in the last nine months* or who has been accepted in (or completed) a military career-enhancing school, including officer training, flight school, and many others. Acceptance is guaranteed for those who qualify, with no underwriting needed.
Fill the Coverage Gap
SGLI provides basic protection, but it has significant limitations. It ends when you exit the service, leaving you potentially uninsured at a time when getting new coverage might be more difficult or expensive for you. With BeyondBasic, you get $100,000 that stays with you regardless of your career path, deployments, or transition to civilian life. It's about having options and control over your future.
10-Minute Protection
We respect your time. Our streamlined digital application takes about 10 minutes to complete from any device. Upload your documents directly through our secure portal, track your application status in real time, and manage your policy entirely online through our Member Center. No paperwork, no waiting rooms, no outdated processes — just efficient protection that fits your digital lifestyle.
Your Future Starts Here
Financial security isn't just about today — it's about creating options for tomorrow. BeyondBasic is an affordable way to start building your financial foundation early in your career. By securing additional coverage now, you're protecting your insurability and creating a safety net that supports your long-term goals, whether that's education, entrepreneurship, homeownership, family or whatever path you choose.
Connection to Military History Beyond Insurance
When you join Armed Forces Mutual, you become part of a legacy of military professionals that spans generations — since 1879. Your Membership gives you access to exclusive resources, financial education, career networking opportunities, and digital tools designed specifically for today's servicemembers. No other insurance provider can empower your military life like Armed Forces Mutual.
Who Can Apply?
Eligibility Limited. Act Now!
BeyondBasic was created specifically for all ranks of servicemembers who are early in their career or who are training to be officers. To qualify, you must be active-duty military or a member of the National Guard or Reserve with a qualifying military physical conducted in the last nine months* or who has been accepted in (or completed) a military career-enhancing school, including officer training, flight school, and many others. Acceptance is guaranteed for those who qualify, with no underwriting needed.
SGLI Isn't Enough
Fill the Coverage Gap
SGLI provides basic protection, but it has significant limitations. It ends when you exit the service, leaving you potentially uninsured at a time when getting new coverage might be more difficult or expensive for you. With BeyondBasic, you get $100,000 that stays with you regardless of your career path, deployments, or transition to civilian life. It's about having options and control over your future.
Immediate Access
10-Minute Protection
We respect your time. Our streamlined digital application takes about 10 minutes to complete from any device. Upload your documents directly through our secure portal, track your application status in real time, and manage your policy entirely online through our Member Center. No paperwork, no waiting rooms, no outdated processes — just efficient protection that fits your digital lifestyle.
Financial Independence
Your Future Starts Here
Financial security isn't just about today — it's about creating options for tomorrow. BeyondBasic is an affordable way to start building your financial foundation early in your career. By securing additional coverage now, you're protecting your insurability and creating a safety net that supports your long-term goals, whether that's education, entrepreneurship, homeownership, family or whatever path you choose.
Legacy Driven, Future Focused
Connection to Military History Beyond Insurance
When you join Armed Forces Mutual, you become part of a legacy of military professionals that spans generations — since 1879. Your Membership gives you access to exclusive resources, financial education, career networking opportunities, and digital tools designed specifically for today's servicemembers. No other insurance provider can empower your military life like Armed Forces Mutual.
Quick Answers
Want to Know More? Find Answers Below
Why do I need more life insurance than SGLI?
SGLI provides basic coverage while you're in service, but when you separate from the military, SGLI ends. BeyondBasic provides $100,000 of additional protection that stays with you regardless of your career path, ensuring you're never left without coverage during life transitions.
How is BeyondBasic different from other life insurance options?
BeyondBasic is specifically designed for early-career military professionals. It's guaranteed coverage without complex medical exams, offers digital-first management, and you get the benefits that come with being part of a community that understands military life. Unlike civilian life insurance, BeyondBasic is built for your unique career path.
Can I afford BeyondBasic on my military salary?
Yes. BeyondBasic is intentionally priced to be affordable for servicemembers. The value of securing coverage early in your career far outweighs the modest monthly premium, especially considering it locks in your insurability before potential deployments or career hazards that other insurance providers would exclude.
What happens to my BeyondBasic coverage if I deploy?
Your life insurance coverage continues uninterrupted during your deployments, with no war clauses or exclusions. This is particularly important since deployment can make obtaining new insurance difficult or more expensive later.
You’re Not Too Young
Getting life insurance early in your military career can be one of the most strategic financial decisions you'll make. Find out how to maximize your protection beyond SGLI.
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Your Future, Protected
Start Building Security Today
Enjoy the comfort of knowing you’re more fully protected with an additional $100,000 of coverage from Armed Forces Mutual. While it may not seem like you need it right now, that extra layer of protection will mean the world to your loved ones should you ever need it, from the life insurance provider trusted by the military community since 1879.