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…?

Many people tend to overestimate the cost of life insurance, with half the population estimating the cost to be more than three-times the actual cost¹.

You can help provide financial security for your family for whenever the unexpected happens. Please refer to the chart below to see the cost for your age and fill out an application today 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 on the chart 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) 591-8267 to request an affidavit.

For more information, call toll-free (866) 591-8267.

 

¹ Insurance Barometer Study, 2020. file:///C:/Users/chensley/AppData/Local/Temp/2020_Insurance_Barometer_Study.pdf. Visited on 7/17/2020.

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. Coverage cannot be duplicated by applying as a member and a spouse.

PAYS "LIVING BENEFITS" IF YOU'RE TERMINALLY ILL (MEMBER ONLY)

With the Accelerated "Living" Benefit"**, you 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 have a life expectancy of 24 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 75, all benefits reduce by 20%. At ages 78, 81, and 84 benefits reduce another 20%. Please refer to your Certificate of Insurance for further details.

** Accelerated benefits may be taxable. These materials are not intended to provide tax, accounting or legal advice and cannot be relied upon for any such purpose. We recommend that you consult with a qualified tax advisor.

For residents of Texas Accelerated benefits may be taxable.  These materials are not intended to provide tax, accounting or legal advice and cannot be relied upon for any such purpose.  We recommend that you consult with a qualified tax advisor.  Accelerated benefits may affect your or your family’s initial or continued eligibility for public assistance, such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), we recommend that you consult with social service agencies with any questions regarding eligibility for public assistance.”

 

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT:

Benefits received may be taxable if the insured sustains 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. The amount of Principal Sum is $5000.

For Loss of:	Benefit:
Life	Principal Sum
Both Hands or Both Feet or Sight of Both Eyes	Principal Sum
One Hand and One Foot	Principal Sum
Speech and Hearing in Both Ears	Principal Sum
Either Hand or Foot and Sight of One Eye	Principal Sum
Movement of Both Upper & Lower Limbs (Quadriplegia)	Principal Sum
Movement of Both Lower Limbs (Paraplegia)	Three-Quarters of Principal Sum
Movement of Three Limbs (Triplegia)	Three-Quarters of Principal Sum
Movement of the Upper & Lower Limbs of One Side of the Body (Hemiplegia)	One-Half of Principal Sum
Either Hand or Foot	One-Half of Principal Sum
Sight of One Eye	One-Half of Principal Sum
Speech or Hearing in Both Ears	One-Half of Principal Sum
Movement of One Limb (Uniplegia)	One-Quarter of Principal Sum
Thumb and Index Finger of Either Hand	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 independent of disease or bodily infirmity, which occurs while you and your dependents are covered under the policy.

QUESTIONS?

Call toll-free (866) 591-8267

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) 591-8267

* Renewal rates only. Once the insured attains the age of 75, all benefits reduce by 20%. At ages 78, 81, and 84 benefits reduce another 20%. Please refer to your Certificate of Insurance for further details.

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 approval of your application and first premium payment.

WHEN COVERAGE ENDS

As long as you remain an eligible member, 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 75. Your spouse/domestic partner's coverage will remain in effect until he or she reaches age 100, 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.

During the two years immediately following an increase in coverage under The Policy, we will only pay the deceased person's Life Insurance Benefit in an amount equal to the Amount of Life Insurance in force prior to the increase, plus an amount equal to the premium paid for the increase to the date of death.

 

APPLICABLE TO ALL BENEFITS EXCEPT THE LIFE INSURANCE BENEFIT AND THE ACCELERATED BENEFIT: THE POLICY DOES NOT COVER ANY LOSS 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; or the injury results solely from accidental circumstances;
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.

        Reserve or National Guard Service means:

1. attending or en route to or from any active duty training of less than sixty (60) days;
2. attending or en route to or from a service school of any duration;
3. taking part in any authorized inactive duty training;
4. taking part as a unit member in a parade or exhibition authorized by official orders.

 

DEFINITIONS:

Spouse means your spouse who is not legally separated or divorced from you and is not in active full-time military service. 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 conversion 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-1949 and AGL-1950 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 Hartford ¹. 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

 

¹The 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.

CW Notice of Insurance Information Practices

MA Notice of Insurance Information Practices

Administered by:
A.G.I.A., Inc.
P.O. Box 26450, Phoenix, AZ 85068

​

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

J. Christopher Burke for the NASW Assurance Services
CA License No. 0F70947