Here's Your Personalized Insurance Checkup

Life insurance can make a huge difference for your loved ones during an extremely difficult time. If you were to pass away unexpectedly, your family could struggle to afford life’s daily expenses. But how do you know if term life coverage is right for you?

Many people will choose a term life policy if they need coverage quickly or if their budget is tight. The initial rates this insurance coverage provides usually means you can purchase more coverage for your dollar.

Here is a quick summary:

• Apply for up to $2,000,000 in coverage.
• Renew each year without a physical exam—even if your health changes.*
• Portability, meaning you can retain your coverage even if you change jobs.*
• Rates may start off lower but will increase as you age.

How much coverage do I need?

Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.752.0179, or select the option to send your portfolio to a representative and we’ll review your options with you.

*If you pay your premium when due, maintain your {{association.abbreviation}} membership, and the group policy remains in force.

The {{association.abbreviation}} Group Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[0].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

When we hear the word “disability,” we often think of tragic—but unlikely—accidents. The reality, however, is far different.

In fact, the top causes of disabilities* include:

• Cancer
• Joint pain
• Injuries
• Back disorders
• Cardiovascular disease

... just to name a few. But our disability income insurance can give you financial stability during a trying time so you can focus on recovering.

Here's what you need to know:

Choose the short-term coverage (benefits payable on the 31st day after disability begins) or the long-term coverage (benefits payable on day 30, 60, 90, 180, or 365 after disability begins); Select a monthly benefit amount up to $7,500; Premium payments waived while receiving Total Disability Benefits.

The {{association.abbreviation}} Group Disability Income Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[2].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

New York Life 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 applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.

10-year level term life insurance coverage can provide reliable protection with a premium that won't change for a decade, giving you peace of mind in knowing your family will have help being cared for after you're gone.

A 10-year level term life insurance is often recommended to take care of longer-term financial obligations you expect to tackle within the next decade, like paying off a mortgage or seeing your children through college. And you’re locking in your coverage for 10 years up front, meaning your premium won’t go up due to aging or health changes. Premiums will increase as you reach higher age bands upon renewal.

Here are some highlights:

• Pay one rate for the first 10 years
• Apply for up to $2,000,000 of coverage for you and your spouse
• Reapply for another 10-year guaranteed rate when your term is up,¹ or continue your coverage at conventional rates without a physical exam
• Portability, meaning you can retain your coverage even if you change jobs²
• Keep your coverage until age 80²

How much coverage do I need?

Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.752.0179, or select the option to send your portfolio to a representative and we’ll review your options with you.

¹Provided you are still eligible. If not, you can continue your coverage at conventional rates without a physical exam.

²If you pay your premium when due, and the group policy remains in force.

Note: This monthly rate is based on your answers and a coverage amount of $100,000, which was determined based on the average of what other {{association.abbreviation}} members have in place. You can adjust your coverage amount during the application process.

The {{association.abbreviation}} Group 10-Year Level Term Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[3].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

If you or a family member is hospitalized, your savings could be significantly impacted by the out-of-pocket expenses not covered by health insurance. But with this coverage, you can help fill the gap. Benefit payments will be made to you directly to spend any way you wish. Hospital confinement up to $100 per day, for up to 365 days.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076