Important: Enrollment in the insurance must be within 30 Days of membership activation for guaranteed issue of the group insurance policy.


Any member in good standing may apply for the Group Life Insurance Policy with underwriting during the month of August each year.  See how.

Life insurance is a fundamental part of having a sound financial plan. Here are a few other reasons why having life insurance is important:


To Protect Your Family and Loved Ones

If your loved ones depend on your financial support for their livelihood, then life insurance is a must, because it replaces your income when you die. This is especially important for parents of young children or couples who’s partner will find it difficult if they no longer have the source of income provide by their partner. You will also need to provide enough money to cover the costs of hiring someone to cover the day to day household tasks, like cleaning, laundry, cooking, childcare and everything else a growing family needs.


To Pay Off Debts and Other Expenses

In addition to providing income to cover everyday living expenses, your family needs insurance to cover any outstanding debts, like the mortgage, credit cards and car loans. Other expenses include funeral and burial costs that can easily run into the tens of thousands of dollars. You don’t want your spouse, parents, children or other loved ones to be left with any extra financial burden in addition to the emotional burden they’re already suffering.


To Add More Financial Security

Like most parents you probably want to know your kids will be well taken care of when you’re gone. You not only want them to get a quality college education, but to provide for other life ventures like getting married or starting a business. For this reason, additional coverage is absolutely essential while your kids are still at home.


Plan Features
  • Guaranteed issuance up to $150,000 coverage level
  • Add spouse with guaranteed issuance up to $25,000
  • Children dependent coverage at $2.00 per month for $10,000 benefit regardless of the number of children.
  • AD&D coverage included
  • Travel insurance coverage included, which will assist with medical emergency evacuation and transportation, dependent child transport,


  • Associates regularly scheduled to work at least 30 hours each week.


Monthly Premium
Age $50,000 Coverage $100,000 Coverage $150,000 Coverage
<25 to 29 $  7.40  $14.80  $22.20
30 - 34 $  7.90 $15.80  $23.70
35 - 39 $  8.90  $17.80  $26.70
40 - 44 $ 11.90  $23.80 $35.70
45 - 49 $ 16.90  $33.80  $50.70
50 - 54 $ 28.90  $57.80 $86.70
55 - 59 $42.90 $85.80  $128.70
60 - 64 $ 49.40  $98.80  $148.20
65 - 69 $ 86.40 $172.80  $259.20
70 - 74 $162.40 Not applicable Not applicable

Rates are unisex
Age is based on employees current age for both the employee and spouse
Age rate adjusted once per year at programs anniversary dates.


Enroll Now / Add to Existing Policies

News Flash

Now is the time to review your health insurance policy and makes changes as it is the yearly period when people can enroll in a health insurance plan. For 2019 coverage, the Open Enrollment Period is November 1, 2018 – December 15, 2018.  Visit our health insurance guide and health insurance enrollment page for more information.