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NJSBA Group 10-Year Level Term Life Insurance Plan

You’ve worked hard to provide for your loved ones. Life insurance provides you with the opportunity to 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 Plan offered 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 plans of $250,000 or higher.
Accelerated Death Benefit allows for the insured to receive 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.

Download the application and brochure for more details.

We’ve also created this tool – Understand the Application Process – to help walk you through the steps of applying, including information you’ll need on hand, a step by step walk-through of 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 and for more information including, features, costs, eligibility, renewability, exclusions and limitations.

Ready to apply? You can print, complete and return the application in the mail or fax it to (800) 691-7171. If you prefer, you can also email your completed application to L&Hserviceteam@usi.com.

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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 10/15/2020). The NYSBA's member-only Group Disability Insurance Plans program 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 plans it underwrites are available in all jurisdictions. Please check the plan 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.

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