Federal Government Contractor Term Life Insurance

As a government contractor, your employees are in unique work situations, living or traveling to dangerous locations – working onboard ships and planes, with weapons and exposed to environments outside of most other industries. Your challenges, whether construction, technology, operational, or security related, contain a unique set of risks and your work on public sector projects and government related activities outside of the United States demands unique solutions.

Even with the mandated Defense Base Act (DBA) coverage, additional insurance may be necessary to cover your risks due to its lower limits and potential coverage gaps. With DBA coverage alone you and your employees may be underinsured when on the job, or exposed when off the job.

With the Government Contractor Employer Group Term Life Insurance offered through 5Star Life’s parent company AFBA, your company and employees receive:

  • Group life insurance coverage for employees deployed/stationed internationally;
  • Guaranteed issue benefit amounts;
  • No combat, war or terrorism exclusions;
  • No geographic limitations;
  • No occupation or activity exclusions; and
  • Coverage available for deployed and domestic employees.

Government Contractor Employer Group Term Life Insurance*

Providing solutions for the insurance needs of your personnel is a critical part of an overall risk management strategy. You and your employees may have existing life insurance that, group or individually, have terms, conditions and exclusions that may invalidate certain elements of coverage if used internationally. The bottom line is, you could be paying for and counting on insurance coverage that will not protect you when it is needed most.

Take advantage of this opportunity to provide valued insurance benefits from AFBA for your personnel that will be there when the need arises.


Employer Group Term Life

Group size



Guaranteed issue (no exam or medical questions required)


Basic and Voluntary

Benefit amounts


Benefit type

Death – All causes


No combat, war, terrorism, occupation, travel or geographic exclusions


1-year, renewable annually


Fixed for term


All eligible employees of U.S. based companies

Customer profile

We understand your business needs and have provided coverage to government contractors from many different industries:

  • IT/IS;
  • Construction;
  • Security;
  • Language services;
  • Transportation/Logistics; and
  • 8(a).

We share your mission and understand who you serve

AFBA’s Chairman and President and the Board of Directors are retired senior flag and non-commissioned U.S. military officers, former National Guard leaders and business leaders in the industry who continue to honor the mission of its founder.

Get started today

Contact Daniel Swisher, CLU, ChFC, Vice President Sales, dswisher@AFBA.com.


*Life insurance product underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company). Life insurance product available in all states except New York, the District of Columbia, and all U.S. Territories except Johnston Atoll.

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