USAA is introducing a new final expense life insurance offering in Florida through its life subsidiary, USAA Life Insurance Company, following a filing submitted on April 2, 2026.

The product, branded USAA SECURE™ Final Expense, includes two whole life options: a level death benefit policy and a graded death benefit policy, both targeting individuals ages 45 to 85.

The graded version provides a limited benefit during the first two years—paying 110% of premiums for non-accidental death—before reaching a full death benefit of up to $20,000 starting in year three. The level option offers higher coverage, with benefits up to $40,000, payable throughout the policy term.

Policies feature level premiums, are non-participating, and include standard whole life elements such as cash value accumulation, policy loans, and nonforfeiture options. An accelerated death benefit rider for terminal illness is also available.

Distribution is expected to be primarily agent-driven, with applications completed over the phone and finalized digitally via USAA’s website or mobile app. The process includes electronic signatures, real-time validation of application inputs, and secure document storage.

USAA indicated it plans to begin marketing the product upon regulatory approval.