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Term Life Insurance

Product Features

  • Available Term Periods of 5 yr, 10 yr, 20 yr and To Age 65

  • Guaranteed renewable for term periods equal to or shorter than the original term (for premium based on attained age); renewed term period can not extend beyond the insured’s 65th birthday

  • Spouse/Child coverage available via rider

  • Accelerated Death Benefit feature provided at no cost

  • Guaranteed Insurability Option allows the policyholder to purchase additional insurance equal to the lesser of half of the benefit amount originally purchased or $25,000, without evident of insurability, within 60 days of the first and second policy anniversary dates

  • Waiver of Premium, available after six months of total disability, disabled before age 60

  • Coverage is portable; member can keep their coverage if they change jobs or retire

Benefit Amounts

  • Minimum member benefit amount is $10,000

  • Maximum benefit amount is $250,000 GI up to $150,000

  • Spouse: $10,000 or $25,000

  • Child: $5,000 or $10,000


  • Member/Spouse Issue Ages: 18 – 64 years

  • Children Issue Ages: 11 days – 17 years

Premium Structure

  • Rates are issue age based and do not increase for the term of the policy

  • Unisex rates for each age

  • Smoker/Non-Smoker rates




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