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Group Term Life Insurance

Help Provide for Your Family's Future Financial Security

Group Term Life Insurance

As an NASW member, you have access to an affordable financial plan for your family in case something should ever happen to you.

Overview

It's important for you to take care of your family's day-to-day needs – both now and should anything ever happen to you…

Would there be enough money to help pay for your final expenses, your house and utility payments, your day-to-day living costs, college expenses for your children…?

More than half of consumers said they would feel the financial impact from the loss of a primary wage earner within a year; 47 percent of them in only six months1.

You can help provide financial security for your family for whenever the unexpected happens. Simply apply now for what you need; acceptance is subject to approval. Each $1,000 of the plan is priced at an affordable group rate. If you're under 30, it's a little over .09 cents a month. At age 40, it's .16 cents a month. So, please refer to the chart below and see the cost for someone your age …. and then, tell us how many $1,000 units you need to help protect your family.

Your spouse or domestic partner may also apply for the same amount of coverage as you. If you are currently covered, he or she may apply for coverage on his or her own. He or she will also be able to keep his or her coverage in the event you cancel your Term Life policy or you pass away.

Plus you pay an affordable group rate thanks to the group purchasing power of NASW:

To view current 'Term Life Rate Chart' Click here

Rates shown above are rounded to the nearest penny. Please note that your Billing Notice will reflect the exact premium. Rates and/or benefits may be changed on a class basis. Rates are based on your attained age and increase as you enter each new age category. For your convenience, you will be billed on a quarterly basis.

Note: Domestic partner coverage may not be available in all states. You must execute a domestic partner affidavit for your domestic partner to qualify for coverage. Please call (866) 514-8974 to request an affidavit.

For more information, call toll-free (866) 514-8974.

 

1LIMRA. Insure Your Love, 2015. http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/_Media/PDFs/Insure-Your-Love-2015_Fact-Sheet.pdf. visited 5/14/2015.

*Once the insured attains the age of 71, all benefits reduce by 20% each year until the insured attains age 74. From ages 74-99 benefits payable are 20% of the original benefit amount purchased. Please refer to your Certificate of Insurance for further details.

John B. Wigle, RHU for the NASW Assurance Services

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

CA License No. 0482924 AR License No. 46424

Benefits

UP TO $500,000* IN LIFE INSURANCE COVERAGE TO MEMBERS

As an NASW member under age 70, and a resident of the U.S., its territories and protectorates, you can secure this valuable term life coverage in $1,000* units up to a maximum of $500,000. Although you're eligible to apply for coverage as long as you are under age 70, please note that reduced coverage begins at age 71.

YOUR SPOUSE/DOMESTIC PARTNER QUALIFIES

Your spouse or domestic partner, under the the age of 70 and a resident of the U.S., its territories and protectorates, may also apply for the same amount of protection as you. If you are currently covered, he or she may apply for coverage on his or her own. He or she will also be able to keep his or her coverage in the event you cancel your Term Life policy or you pass away.

PAYS "LIVING BENEFITS" IF YOU'RE TERMINALLY ILL

With the Accelerated "Living" Benefit"**, you or your spouse/domestic partner can collect up to 50% of your benefits (or $100,000, whichever is less) if you're under age 60 and diagnosed with a Terminal Illness, meaning you (or your spouse, if covered) have a life expectancy of 12 months or less. Your beneficiary will collect the remainder of your benefits after your death. You must be covered with at least $20,000 of life insurance to be eligible for the "living benefit".

ADDITIONAL BENEFITS

If you sustain an Injury that results in loss of life within 90 days of the accident, the policy pays a Principal Sum of $5,000. If the result in loss of life is due to a felonious assault, the policy pays another benefit in the amount of $5,000. These benefits will be paid: 1.) after we receive proof of loss, in accordance with the proof of loss provision; and 2.) according to the general provisions of the policy.

CHOOSE YOUR BENEFICIARY

Please designate your beneficiary on the application. You may designate anyone you would like. If you do not designate a beneficiary, your benefits will be paid to your spouse, your children, your parents, your siblings, or the executors or administrators of your estate, in that order. If you have selected insurance for your spouse / domestic partner, you will automatically be designated as his or her beneficiary.

APPLY TODAY

Simply apply now by using the Apply Now button. Or, you can download, complete, sign and return the application for processing by using the Downloadable Application button. Application is subject to approval.

30-DAY FREE LOOK

When you receive your Certificate of Insurance, please read it carefully. If you're not completely satisfied, simply return your Certificate, without claim, within 30 days. If you've paid any premium, it will be promptly refunded. No questions asked.

*Once the insured attains the age of 71, all benefits reduce by 20% each year until the insured attains age 74. From ages 74-99 benefits payable are 20% of the original benefit amount purchased. Please refer to your Certificate of Insurance for further details.

** This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT (MEMBER ONLY):

If You sustain an Injury that results in any of the following Losses within 90 days of the date of accident, we will pay the injured person's Principal Sum, or a portion of such Principal Sum, as shown in the table below, after we receive proof of loss in accordance with the proof of loss provision.

This Benefit will be paid according to the general provisions of the policy.

We will not pay more than the Principal Sum to any one person, for all Losses due to the same accident. Your amount of Principal Sum is $5000.

For Loss of: Benefit:
Life Principal Sum
Either Hand or Foot One-Half of Principal Sum
Movement of Both Upper & Lower Limbs (Quadriplegia) Principal Sum
Movement of Both Lower Limbs (Paraplegia) One-Half of Principal Sum
Movement of the Upper & Lower Limbs of One Side of the Body (Hemiplegia) One-Half of Principal Sum
One Hand and One Foot One-Half of Principal Sum
One Hand or One Foot One-Half of Principal Sum
Sight of One Eye One-Half of Principal Sum
Movement of One Limb (Uniplegia) One-Half of Principal Sum
More than One of the Above Principal Sum
Speech and Hearing in Both Ears Principal Sum
Speech or Hearing in Both Ears One-Half of Principal Sum
Hearing in One Ear One Quarter of Principal Sum

Loss means with regard to:

  1. hands and feet, actual severance through or above wrist or ankle joints;
  2. sight, speech and hearing, entire and irrecoverable loss thereof;
  3. thumb and index finger, actual severance through or above the metacarpophalangeal joints;or
  4. movement, complete and irreversible paralysis of such limbs.

Loss resulting from sickness or disease or medical or surgical treatment of a sickness or disease, is not considered as resulting from Injury.

Injury means bodily injury resulting directly from an accident and independently of all other causes, which occurs while you are covered under the policy.

QUESTIONS?

Call toll-free (866) 514-8974

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

CA License No. 0482924 AR License No. 46424

MEMBER AND SPOUSE/DOMESTIC PARTNER QUARTERLY RATES PER $1,000 UNIT

Member/Spouse
Attained Age
Unit of Insurance Quarterly Premium
Under 30 $1,000 $0.28
30 $1,000 $0.29
31 $1,000 $0.29
32 $1,000 $0.30
33 $1,000 $0.31
34 $1,000 $0.32
35 $1,000 $0.34
36 $1,000 $0.36
37 $1,000 $0.38
38 $1,000 $0.41
39 $1,000 $0.44
40 $1,000 $0.48
41 $1,000 $0.52
42 $1,000 $0.57
43 $1,000 $0.62
44 $1,000 $0.67
45 $1,000 $0.72
46 $1,000 $0.79
47 $1,000 $0.86
48 $1,000 $0.95
49 $1,000 $1.03
50 $1,000 $1.13
51 $1,000 $1.23
52 $1,000 $1.34
53 $1,000 $1.47
54 $1,000 $1.61
55 $1,000 $1.75
56 $1,000 $1.91
57 $1,000 $2.10
58 $1,000 $2.28
59 $1,000 $2.47
60 $1,000 $2.67
61 $1,000 $2.89
62 $1,000 $3.15
63 $1,000 $3.42
64 $1,000 $3.70
65 $1,000 $4.02
66 $1,000 $4.38
67 $1,000 $4.77
68 $1,000 $5.20
69 $1,000 $5.65
70 $1,000 $9.85
71 $1,000 $9.85
72 $1,000 $9.85
73 $1,000 $9.85
74 $1,000 $9.85
75-77* $800 $11.52
78-80* $600 $8.64
81-83* $400 $8.68
84-84* $200 $4.34
85-89* $200 $6.22
90-94* $200 $8.84
95-99* $200 $16.41

Rates shown above are rounded to the nearest penny. Please note that your Billing Notice will reflect the exact premium. Rates and/or benefits may be changed on a class basis. Rates are based on your attained age and increase as you enter each new age category. For your convenience, you will be billed on a quarterly basis.

Note: Domestic partner coverage may not be available in all states. You must execute a domestic partner affidavit for your domestic partner to qualify for coverage. Please call (866) 514-8974 to request an affidavit.

For more information, call toll-free (866) 514-8974.

*Once the insured attains the age of 71, all benefits reduce by 20% each year until the insured attains age 74. From ages 74-99 benefits payable are 20% of the original benefit amount purchased. Please refer to your Certificate of Insurance for further details.

John B. Wigle, RHU for the NASW Assurance Services

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

CA License No. 0482924 AR License No. 46424

Terms

WHEN COVERAGE BEGINS

Your (and your spouse/domestic partner's) coverage will become effective on the first day of the month following the Administrator's receipt of your application and first premium payment.

WHEN COVERAGE ENDS

As long as you pay your premiums when due, and the Master Policy remains in force, it's possible to keep this coverage until you reach age 100, although benefit levels are reduced beginning at age 71. Your spouse/domestic partner's coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.

EXCLUSIONS

Suicide is not covered during the first two years of coverage. Benefits paid for death caused by suicide while sane or insane within the first two years of the effective date of insurance are limited to a refund of your premiums paid.

APPLICABLE TO ALL BENEFITS EXCEPT THE LIFE INSURANCE: THE POLICY DOES NOT COVER ANY LOSS CAUSED OR CONTRIBUTED TO BY:

  1. intentionally self-inflicted Injury;
  2. suicide or attempted suicide, whether sane or insane;
  3. war or act of war, whether declared or not;
  4. Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority, except Reserve National Guard Service; We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces;
  5. Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
  6. Injury sustained while On any aircraft:
    1. as a pilot, crewmember or student pilot;
    2. as a flight instructor or examiner;
    3. if it is owned, operated or leased by or on behalf of the Policyholder, or any Employer or organization whose eligible persons are covered under The Policy;
    4. being used for tests, experimental purposes, stunt flying, racing or endurance tests;
  7. Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician;
  8. Injury sustained while riding or driving, in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
  9. Injury sustained while committing or attempting to commit a felony; or
  10. Injury sustained while Intoxicated.

    Intoxicated means:
    1. the blood alcohol content;
    2. the results of other means of testing blood alcohol level; or
    3. the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.

DEFINITIONS:

Spouse means your spouse who is under age 70; and is not legally separated or divorced from you. Spouse will include your domestic partner, provided you have executed a domestic partner affidavit satisfactory to us, establishing that you and your partner are domestic partners for purposes of the policy.

Your Conversion Right: If Life Insurance coverage under the policy ends for any reason, except non payment of premium, you and your dependents may have the right to convert that coverage to an individual coversion policy without providing evidence of insurability.

Felonious Assault means a violent or criminal act directed at You during the course of:

  • a robbery, kidnapping or criminal assault; or
  • an attempt at any of the above; which constitutes a felony under the law.

The Felonious Assault Benefit will not pay for a Loss that results from a Felonious Assault committed by a member of the injured person's family or household, or the injured person's fellow employee.

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy AGL-1828 and AGL-1829 and as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford1. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/test requested by the company will be conducted at your convenience and at no expense to you.

A.G.I.A., Inc. is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. NASW Assurance Services, Inc. is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. This is a participating group policy under which dividends and/or experience credits may be paid to NASW Assurance Services, Inc. Compensation is paid to or retained by the Group Policyholder NASW Assurance Services, Inc. and NASW directly or indirectly for services associated with this insurance program.

Endorsed by:

Underwritten by:

Hartford Life and Accident Insurance Company
Hartford, CT 06155

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Read the full Hartford privacy policy.

Administered by:
Association Group Insurance Administrators
P.O. Box 26450, Phoenix, AZ 85068

Better Business Bureau Logo

This Term Life Insurance Plan, offered through NASW Assurance Services, is endorsed by the National Association of Social Workers.

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

CA License No. 0482924 AR License No. 46424

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

CA License No. 0482924 AR License No. 46424