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Union Plus Term-to-70 Life Insurance Plan

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply under this plan. Whether it's an accident or a sudden illness, the unexpected may happen. And experience tells us, it's best to be prepared in these situations. That's why life insurance can help protect your family's financial future.

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Birthdays often make us think about our futures. This year, give yourself the gift of peace of mind for yourself and your loved ones with Union Plus Term-to-70 Life Insurance Plan.
Through our member partnership with The Hartford*, the Union Plus Term-to-70 Life Insurance Plan can help provide important protection - at an affordable price - against the financial impact of unexpected death.

*The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

 

 

COVERAGE SUMMARY 

UNION PLUS TERM LIFE INSURANCE PLAN AT SPECIALLY NEGOTIATED GROUP RATES AND YOUR CHOICE OF BENEFIT AMOUNT: $150,000, $100,000 OR $50,000.
MEMBERS AGE 18 THROUGH 64 WHO RESIDE IN THE U.S. ARE IMMEDIATELY ELIGIBLE TO APPLY FOR THIS LIFE INSURANCE COVERAGE. 

 

Union Plus is pleased to present this union member offer. It comes to you at a time when helping to protect your family may be as important as ever. Now your union membership gives you the opportunity to apply for the life insurance coverage you may need at terms NOT AVAILABLE TO THE GENERAL PUBLIC. 


SPOUSES OF UNION MEMBERS ARE ALSO ELIGIBLE.
Spouses who are age 18 through 64, reside in the U.S. and are not legally separated or divorced from the eligible union member are eligible for coverage. This is another important feature when you consider how many families rely on two incomes these days to make ends meet. Even if your spouse stays at home, it could cost you a substantial amount to hire help for everyday tasks like cooking, cleaning, laundry, childcare, and other often-overlooked expenses. Note that when spouses are both union members, coverage may not be duplicated by applying as spouses of each other.


UNION MEMBERS, INCLUDING THEIR SPOUSES, ARE ELIGIBLE FOR GROUP RATES NOT AVAILABLE TO THE GENERAL PUBLIC. 
As a rule, group rates can be lower than those you can get on your own. After all, there’s buying power in numbers! As you’ll see in the rate chart, the buying power of millions of union members nationwide combined with the status of union members results in affordable rates. 


EFFECTIVE DATE OF COVERAGE 
After approval of the application, you will become covered under the Policy on the Certificate Effective Date shown in the Schedule of Insurance, subject to payment of the required premium. 


RENEW UP TO AGE 70 WITH NO EVIDENCE OF INSURABILITY REQUIRED! 
Once covered, you can continue to renew up to age 70, regardless of changes in your health. Coverage ends at age 70, at which time you will have the opportunity to enroll in Senior Term Life Insurance without providing evidence of insurability. 


YOUR PREMIUMS ARE WAIVED DURING STRIKES, LOCKOUTS OR INVOLUNTARY LAYOFFS. 
This is a benefit every union member will appreciate. It assures that your premiums will be completely waived for up to 3 full months during a union-authorized strike, lockout or involuntary layoff, subject to a 30 day waiting period. (May not be available for all unions.) 


LIVING BENEFIT OPTION 
If you are diagnosed with a Terminal Illness (life expectancy of 12 months or less), Union Plus Term Life Insurance waives your premiums. And, as an added benefit, you also have the option to withdraw up to 75% of the face amount of your coverage. This benefit may be taxable. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.


SATISFACTION GUARANTEED 
If you are not completely satisfied, simply cancel your coverage within 60 days, and any premiums paid will be refunded to you — no questions asked. 

 

 

 

UNION MEMBERS-ONLY RATES

These charts outline the monthly premiums that apply to each covered person. All premiums are based on each person’s smoking status and age at time of issuance and change when the person attains a new age bracket. You are considered a non-smoker if you have not smoked cigarettes, cigars or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during the 12 months before applying for insurance.

 

 
NON-SMOKERS

Age

$50,000

$100,000

$150,000

18-29

$4.50

$9.00

$13.50

30-34

$4.70

$9.40

$14.10

35-39

$5.60

$11.20

$16.80

40-44

$7.80

$15.60

$23.40

45-49

$12.10

$24.20

$36.30

50-54

$18.60

$37.20

$55.80

55-59

$30.40

$60.80

$91.20

60-64

$48.80

$97.60

$146.40

65-69*

$77.10

$154.20

$231.30

 

 

SMOKERS

Age

$50,000

$100,000

$150,000

18-29

$7.70

$15.40

$23.10

30-34

$8.60

$17.20

$25.80

35-39

$10.90

$21.80

$32.70

40-44

$15.80

$31.60

$47.40

45-49

$25.30

$50.60

$75.90

50-54

$39.50

$79.00

$118.50

55-59

$63.30

$126.60

$189.90

60-64

$96.70

$193.40

$290.10

65-69*

$143.60

$287.20

$430.80

 

NOTE: PREMIUMS ARE PAID MONTHLY. 
* Rates for age 65-69 are for renewal purposes only. Rates and benefits may be changed only on a class basis. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. If your birthday is approaching, mail your completed application immediately to have it processed at the lower age category.

 

 

Frequently Asked Questions

COVERAGE AND DEPENDENT QUESTIONS

WHY IS UNION PLUS TERM-TO-70 LIFE INSURANCE IMPORTANT TO HAVE?

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply for benefits. Life insurance is protection of your family's financial well-being in the case of your loss. The costs of funeral arrangements and outstanding bills are high enough, not to mention the day-to-day bills (such as the mortgage, car payment, college tuition, etc) a family will face after losing a primary provider. And with today's rising costs and debt, many employer-sponsored life insurance plans may not provide enough coverage alone.

The older you get, the harder it is to get life insurance that is both sound and economical. In fact, most plans require you to re-apply at the end of the plan's term and modify your premium and benefits accordingly. But with Union Plus, your union-negotiated rates stay the same within each age bracket - and you'll know exactly what you'll pay as you age.

The Union Plus Term-to-70 Life Insurance plan will not change its benefits or underwriting; you do not have to reapply. And at age 70, when the policy terminates, you have the option to convert to the Union Plus Senior Life plan - there's no application and the Senior Life plan has no termination age.

HOW DOES THE BENEFIT WORK?

If you were to die from an illness or accidental injury,* your beneficiary would receive a Life Insurance benefit after we receive proof of death. Additionally, you can receive up to 75% payout of your life insurance benefit if you suffer a terminal illness. This allows you to get up to 75% of your benefit money when you need it the most.

The Term-to-70 Life Insurance plan offers rates in 5-year age bands - with smoker and non-smoker priced separately. Rates are based on your age when you purchase the coverage. Rates increase upon entry to a new 5-year age band.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

*Under the terms of the policy, injury is defined as bodily injury resulting directly and independently of all other causes from an accident which occurs while the person is covered under this policy.

WHAT IS TERM LIFE INSURANCE?

It is a policy that provides protection for a specified period of time. Instead of premiums being invested for slow-growing cash value, 100% of what you pay goes toward your coverage.

WHAT IS A "PREMIUM"?

The Term-to-70 Life Insurance plan offers rates in 5-year age bands. Rates are based on your age when you purchase the policy. You will be billed monthly.

WHAT MAKES UNION PLUS DIFFERENT?

Serves union members and their families - exclusively - and is able to provide specially arranged rates typically reserved only for large groups.

  • Coverage without re-application, underwriting, or changes to your benefits until age 70 - when you can convert without any medical questions to the Senior Life plan.
  • Provides a waiver of premium - that means, you don't have to make any payment - for up to 3 months during a union-sanctioned strike, involuntary layoff or lockout lasting 30 days or more and is subject to a 30 day waiting period. This is a member-only benefit.
  •  Unlike some other insurance administrators, Union Plus does not ask you to take a medical exam for coverage up and including $150,000, depending on your answer to the health questions on the application.
  • Pays full benefits for both death by accident or illness anywhere in the world - while at work or at home.
  • Provides you a 60-day review period with a satisfaction guarantee if you decide that this coverage is not right for you.
  • Gives you a toll-free customer service support phone number.
  • Does not use gender distinctions as a way to set rates.

IS THERE ANY TIME WHEN SOMEONE WOULDN'T BE COVERED?

If a 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.

ARE THERE ANY AGE REQUIREMENTS?

Yes, you must be aged 18-64 to apply.

IF I PURCHASE A POLICY AND I DEVELOP HEALTH PROBLEMS IN THE FUTURE, CAN MY INSURANCE BE TERMINATED?

Changes in your health do not cause the policy to be terminated.

FOR WHAT REASONS COULD MY INSURANCE BE TERMINATED?

Your insurance would be terminated if: you stop paying your premium, you reach age 70 (at this point you can convert to Senior Life Insurance), your union notifies Union Plus that you are no longer a member, or the group policy is no longer in effect.

Insurance for your spouse would be terminated on the earliest to occur of:

  • the date the Policy is cancelled; or
  • the Premium Due Date on or next following the date he or she is legally separated or divorced from you; or
  • attains the policy age limit shown in the schedule; or
  • the Premium Due Date the required premium is not made, subject to the Grace Period provision; or
  • the date Your coverage terminates.

However, if dependent's coverage would terminate because of your death, coverage will continue until the Premium Due Date on or next following your death unless continued in accordance with the Surviving Spouse Continuation provision.

WHAT IS THE LIVING BENEFIT?

If you are diagnosed with a terminal illness,* you may receive up to 75% of your selected death benefit. The remaining amount is paid at time of death. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

* Terminally Ill or Terminal Illness means the Covered Person has a life expectancy of 12 months or less.

ARE THERE RESTRICTIONS ON HOW MY BENEFICIARY CAN USE THE BENEFIT MONEY?

No, the money can be used at his/her discretion.

DOES MY SPOUSE OR DOMESTIC PARTNER HAVE TO PURCHASE THE SAME BENEFIT AS ME, THE UNION MEMBER?

Yes, spouses (or domestic partners) must purchase the same benefit level as you, the union member.

WHEN DOES COVERAGE BECOME EFFECTIVE?

Coverage becomes effective on the first day of the month after your application is approved and the premium is paid.

IF I (THE INSURED MEMBER) DIE, CAN MY SPOUSE OR DOMESTIC PARTNER CONTINUE COVERAGE?

Yes, insured spouses (or domestic partners) can continue coverage as a surviving spouse.

WHAT DOES THE STRIKE/LABOR DISPUTE WAIVER OF PREMIUM MEAN?

If an insured is 1) in a lawful, authorized strike by a union or 2) locked out as a result of a dispute between the union and an employer, or experiences an involuntary layoff, the insured doesn't have to pay premiums for up to 3 months on this coverage, subject to a 30-day waiting period. This is a Member-Only benefit. May not be available in all states or in all unions.

WHAT IS THE PROCESS FOR GETTING THE PREMIUM WAIVED?

The insured must provide written proof of strike, lock-out or involuntary layoff before the wavier of premium begins. It can be a note from the union or a note from the insured with a newspaper article verifying the sanctioned or forced work stoppage.

EXCLUSION QUESTIONS

ARE THERE ANY EXCLUSIONS TO THE POLICY COVERAGE?

If a person commits suicide - while sane or insane - during his or her first two years of coverage under the policy, Union Plus will only pay an amount equal to the premium paid for coverage to the date of death.

DOES A UNION MEMBER WHO LEAVES THE UNION LOSE HIS/HER COVERAGE?

If your union notifies Union Plus in writing that you have left the union for any reason other than retirement, coverage will be terminated.

RATE QUESTIONS

CAN I BE SINGLED OUT FOR A RATE INCREASE?

No, rates are based on your age when you purchase the policy. Rates increase upon entry to a new, pre-determined 5-year age band.

CAN THE COVERAGE BE PAID BY CREDIT CARD OR THROUGH AN AUTOMATIC CHECKING ACCOUNT DEDUCTION?

Yes, members who apply will have various payment options when applying.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155

 

 

Term-to-70 Life Insurance Terms & Conditions

 

Exclusions: 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 Life Insurance Benefit is payable if a Covered Person is insured under the Policy and commits suicide after the two year period.

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.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford.

Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

Termination: Coverage will terminate on the earliest to occur of:

a) the date the Policy is cancelled; or
b) the Premium Due Date on or next following the date You cease to be an active member of the Policyholder; or
c) the Premium Due Date on or next following the date You attain the Policy Age Limit shown in the Schedule; or
d) the Premium Due Date You fail to pay any required premium, subject to the Grace Period.

In addition, coverage for your Spouse terminates the Premium Due Date on or next following the date he or she: in the case of a Covered Spouse, is legally separated or divorced from you.
 
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1660 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.

 AGIA, 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 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.

 

NOTICE OF INSURANCE INFORMATION PRACTICES

 

 

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Term To 70 CA
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Underwitten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155

Life Form Series includes SRP-1153, or state equivalent.

Policy # AGL-1660
​​May not be available in all states.
​​
​​FORM PA-9199