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NJSBA Group 10-Year Level Term Life Insurance

Underwritten by New York Life Insurance Company

You’ve worked hard to provide for your loved ones. Life insurance provides you with the opportunity to help ensure your loved ones are taken care of financially in the event that something should happen to you. The 10-Year Level Term Life Insurance sponsored through NJSBA may offer peace of mind with the knowledge that:

Coverage can be purchased in increments of $50,000, up to $2 million for members under age 65 along with their spouse/domestic partner.
Volume discounts are available for the amount of $250,000 or higher.
Accelerated Death Benefit allows the insured to request a one-time advance payment of 50% of inforce coverage if the insured person is diagnosed as terminally ill.*
30-Day Free Look** period to review the terms of your certificate and return it, without claim, for a full refund of your premium contribution.

For more details, including features, costs, eligibility, renewability, limitations and exclusions:

Download an Application Download the Brochure

Print, complete and mail to the address shown on the application, or fax it to (800) 691-7171.
If you prefer, you can also email your completed application to L&Hserviceteam@usi.com.

We’ve created this quick guide – Understand the Application Process – to help walk you through the steps of applying. It illustrates what information you’ll need on hand, what to expect, and important contact information.

Have additional questions regarding the coverage?

Call toll-free (800) 727-7770 Option 5, Monday through Friday, 8:30 a.m. to 4:30 p.m. EST to speak to one of our knowledgeable representatives without any pressure to purchase.

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USI AFFINITY + NEW YORK LIFE
We have partnered with New York Life to provide these coverages at competitive rates. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+) and Moody's Investors Service (Aaa). *Source: Third Party Rating Reports (as of 11/17/2023). The NYSBA's member-only Group Disability Insurance Policy is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR. 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 policies it underwrites are available in all jurisdictions. Please check the policy brochures for current availability. New York Life Insurance Company's state of domicile is New York, and NAIC ID # 66915.

*Receipt of the accelerated death benefit may affect your eligibility for public assistance programs and may be taxable. Prior to applying to receive such benefits you should consult with the appropriate social service agency and seek the advice of tax counsel. To qualify you must provide proof of terminal illness and have a life expectancy of 12 months or less. The death benefit will be reduced by 50%. Your premium payments will continue based on the original coverage amount.

**30-Day Free Look - Once coverage is approved, you will be sent a Certificate of Insurance summarizing benefits. If you are not completely satisfied with the terms of the Certificate, you may return it, without claim, within 30 days for a full refund. Your coverage will then be invalidated.

NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.

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