Navy Mutual Aid Association Serves those Protecting our Nation

Navy Mutual continues to support that mission today by providing exceptional life insurance and annuity products, assisting sea service members and their survivors in securing the federal benefit to which they are legally entitled, and providing education on matters of financial security which are specifically tailored to the military member and family.

Navy Mutual is a nonprofit, federally tax-exempt, mutual benefit Veterans Service Organization which was established in 1879 by sea service members for the purpose of providing financial protection to the sea service member and family.

What Do You Receive from Navy Mutual?

Financial planning services
Free Military Benefits Education Presentations to the Fleet
Beneficiary service and support “ Your survivors receive the counseling and claims assistance they need to get the benefits your service earned for them.
Legal Representation to the Department of Veterans Affairs “ As a chartered Veterans Service Organization, Navy Mutual is uniquely poised to provide you with the assistance you need to get the benefits you deserve.
Free secure vault storage of valuable documents for members

Benefit from Insurance Policy Features that Protect You and Your Family's Interests

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 military 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 policy belongs to you. It stays with you as you transition from the military, providing you an inexpensive alternative to the high cost of Veterans Group Life Insurance.
Quick application for deployment - We provide expedited processing of applications from those preparing to deploy. Get your plan in place in just a few days.
Convenient application on the web - We offer an easy way for military members to get their coverage in place by applying on-line. We regularly get applications from all over the world, including war zones.

Who Is Eligible To Join Navy Mutual?

A service member of any of the five sea services (i.e., Navy, Marine Corps, Coast Guard, U. S. Public Health Service, and National Oceanic and Atmospheric Administration) who is either active duty, retired, a reservist or an honorably discharged veteran (who resides in Virginia, North Carolina, or South Carolina) may join Navy Mutual by purchasing a life insurance policy or annuity on his/her life, the life of a spouse and/or the life of an eligible child or grandchild.

If at least one plan is active with Navy Mutual the service member may purchase additional plans in the future. Membership with Navy Mutual will not change in the future as a result of changes to the service members military status.

What is Navy Mutual's Financial Strength?

Navy Mutual maintains a very strong financial position and is rated A+ by Fitch Ratings based on sound capital and a strong niche position as a provider of mainly interest-sensitive and term life insurance to sea service members and their families.

To learn more about Navy Mutual's financial strength, please feel free to download 2008 Annual Fitch Report, 2008 Fitch Rating Press Release our 2007 Annual Report .

Giving Back to the Community We Serve

Terminal Illness Options Counseling- Terminal illness counseling is provided without charge or obligation to sea service families (regardless of membership) when the active duty military member is diagnosed with a terminal illness. We present the financial consequences to the surviving family of death on active duty versus death in a retired status, and an explanation of various benefit election options available under both scenarios.
Helping Sea Service Families In Need-Ever mindful of our stewardship of the funds you have entrusted to us,we share your blessings by helping sea services members and their families in times of need by contributing to the Toys for Tots Program and the Navy-Marine Corps Relief Society on an annual basis.

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