Help protect your family legacy with affordable Senior Term Life Insurance. Coverage is available for active and retired union members, as well as their spouses.
This Personal Health Application is for residents of:
Alabama; Arizona; Arkansas; Colorado; Delaware; District of Columbia; Georgia; Hawaii; Iowa; Kentucky;
Louisiana; Michigan; Mississippi; Nevada; North Dakota; Oklahoma; Pennsylvania; Rhode Island; South
Carolina; South Dakota; Tennessee; West Virginia; Wisconsin; Wyoming
May not be available in all states.
About AFT+ Senior Term Life Insurance
It’s important to plan for a long, healthy retirement. You’ve worked hard to enjoy your golden years, and you shouldn’t worry about leaving enough for your family to cover your final expenses and outstanding debts.
AFT+ Senior Term Life Insurance is like no other. There’s no termination age and no medical exam. The plan includes additional features, such as a living benefit that allows you to collect if you become terminally ill and waive insurance premiums if you become confined to a nursing facility.
Eligibility Highlights:
Available to all active, associate members, employees and retired members age 55 to 74 who are residents of the U.S. Spouses/domestic partners ages 55 to 74 who are residents of the U.S. Their spouses/domestic partners ages 55 to 74, residents of the U.S. and not legally separated or divorced from the member, are also eligible. When the member and spouses/domestic partners are both eligible persons, coverage may not be duplicated by applying as dependents of each other.
If greater than $5,000, benefits reduce to $5,000 at the age of 80.
Coverage
SENIOR TERM LIFE INSURANCE BENEFITS
- Choose your level of protection: benefits paying from $5,000 to $25,000, you select the amount of coverage you want to purchase.
- Pays in addition to any other benefits you may have because employer-sponsored retirement plans may not provide the protection you need.
- Coverage without re-application or underwriting: You may not have to fill-out another form or answer any questions as long as you keep the policy.
- No medical exams are required, depending on your answer to the health questions on the application. The application process is made simple.
- Premiums are waived if you become nursing home confined.
- Pays benefits for loss of life by accident or illness anywhere in the world.
- At age 80, if greater than $5,000, benefits will reduce to $5,000 with an appropriate change in premium.
- Spouse or domestic partner are also eligible to apply.
- Your coverage becomes effective the first of the month following our receipt of your approved application and first premium payment.
60-DAY SATISFACTION GUARANTEE:
Upon acceptance into this insurance plan, you'll receive a Certificate of Insurance. You have up to 60 days from the Effective Date to review your Certificate of Insurance without any obligation. If you do not like what you see, simply return the Certificate of Insurance within that timeframe, and any premiums paid will be refunded minus any claims paid. Hassle free.
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1937 as actually issued. In the event of a discrepancy between this website 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.
The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155
Amy Cybyske, Licensed in all applicable jurisdictions
Gallagher Affinity Insurance Service, 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.
Union Privilege, 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 the group policyholder.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
AFTWEB0123
Rates
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1937 as actually issued. In the event of a discrepancy between this website 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.
The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155
Amy Cybyske, Licensed in all applicable jurisdictions
Gallagher Affinity Insurance Service, 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.
Union Privilege, 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 the group policyholder.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
AFTWEB0123
Terms
Suicide: If a Covered Person commits suicide:
- while sane or insane;
- during his or her first two years of coverage under the Policy;
The policy will only pay an amount equal to the premium paid for coverage to the date of death. The full life insurance benefit amount for the deceased person is payable if he or she is covered under the policy and commits suicide after the two-year period. The two year period includes the time coverage was in force under a prior policy.
Exclusions: The two year suicide exclusion, stated above, will also apply if a Covered Person commits suicide during the two years immediately following an increase in coverage under the Policy. In that event, the Amount of Insurance payable will equal the Amount of Insurance in force prior to the increase plus an amount equal to the premium paid for the increase to the date of death.
Graded Death Benefit: During the first two years of coverage, the benefit payable for death due to sickness will be the premiums paid plus interest.
The full life insurance benefit amount for the deceased person is payable if he or she is covered under the policy and commits suicide after the two year period. The two year period includes the time coverage was in force under a prior policy.
Notice of Insurance Information Practices
Notice of Insurance Information Practices - Massachusetts Residents
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1937 as actually issued. In the event of a discrepancy between this website 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.
The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155
Amy Cybyske, Licensed in all applicable jurisdictions
Gallagher Affinity Insurance Service, 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.
Union Privilege, 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 the group policyholder.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
AFTWEB0123