Group 10-Year Level Term Life Insurance
Underwritten by New York Life Insurance Company
If you prefer to average your premium costs over time, Level Term Life insurance may be your best option. With fixed rates for a guaranteed term, this coverage can be an easy way to budget while helping ensure your family's financial safety.
Find Your Rate
Your estimated premium:
$0.00/year
(or $0.00/month)
The cost of this life insurance is based on the insured member or spouse’s gender, amount of insurance requested, use of tobacco/nicotine products, health status, and attained age on the date coverage is issued. Read more...
Only non-tobacco/nicotine users meeting the highest underwriting standards may qualify for the Preferred Rates, the plan’s lowest. Depending on your situation, you may qualify for Select or Standard rates. (Smokers may only qualify for Standard rates.) Upon approval of your application, you will be notified of the rate classification for each approved person. The annual premium for dependent children is $6.00, regardless of the number insured.
The premium contributions shown reflect the current rates and benefit structure. Read more...
Rates are guaranteed to remain level for the initial 10‑year term. Then, if still eligible, you may re-apply for 10‑year level rates in effect for a subsequent 10‑year term; rates for the subsequent term would be determined on then current age, health and tobacco/nicotine use and guaranteed for 10 years. If you’re not approved for a subsequent 10‑year term of guaranteed rates or do not apply for a subsequent 10‑year term, coverage will continue in force on a non-guaranteed rate basis with increasing premium as you age.
For more information – features, costs, eligibility, renewability, limitations and exclusions – please view the applicable brochure here. An application attachment is also included for each policy.
For help understanding the application underwriting process please click here.
Coverage Overview
- Pennsylvania Bar Association Members and their lawful spouses under Age 70 are eligible to apply – so are full-time employees of members!
- Benefits up to $1 million for members and their spouses
- Benefits up to $250,000 for employees of members
- Rate guaranteed not to change for first 10 years!
- Healthy, non-smoking applicants can qualify for Preferred Rates – the Policy’s lowest! (Select and Standard rates are also available. Smokers may only qualify for Standard rates.)
- Coverage terminates at Age 80
Questions & Answers
The Group Term Life policy includes a Waiver of Premium clause. This feature is desgned to keep you insured even if you become disabled and unable to work (subject to certain terms & conditions).
As an easy rule of thumb, experts recommend having life insurance that equals between 10 to 15 times your gross income. But many people need even more than that.* To get a more accurate idea of how much life insurance to buy, click here to schedule a life insurance consultation with one of our licensed insurance agents.
Unlike employer-based coverage, this insurance is portable—which means that if you change jobs, your coverage does not terminate. Access to this insurance is made possible through your Pennsylvania Bar membership. Just maintain your membership to keep your coverage.
Underwritten by New York Life Insurance Company, New York NY 10010 On Policy Form GMR
USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia.
USI Affinity's state of domicile is Pennsylvania.
New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group coverages it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.
Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
AR Insurance License # 325944; CA Insurance License # 0G11911.
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