Group 10-Year Level Term Life Plan

Group 10-Year Level Term Life Plan  

Overview

At a Glance

The  FRA-endorsed Group 10-Year Level Term Life Insurance Plan was designed to address the family and financial responsibilities of FRA members. The 10-Year Level Term Life Plan means that your rates don’t increase due to your age. You lock in your benefit levels and low rates for 10 years.
 

Coverage may vary and may not be available in all states.

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Countrywide
(This plan is not available in all states)

 

For residents of CA

Tell Me More

The FRA-endorsed 10-Year Level Term Life Insurance Plan can help provide valuable life protection available only to FRA members.
 

The 10-Year Level Term Life Insurance Plan means your rates don't increase due to your age, and your premiums—and your benefit level—stay constant for 10 years.
 

Your rates are guaranteed not to increase for 10 full years. Plus, your benefits are guaranteed not to decrease for 10 full years. That means you can apply to put this safety net in place. You can move on to other priorities, knowing this insurance plan is set for the next 10 years.
 

10-Year Level Term Life Insurance Plan offers you many other benefits:

  • Your spouse can get the 10-Year Level Term Life Plan, too. Today, most families rely on two incomes. That’s why your spouse can also apply for this Plan. (You won’t find this with some other plans.)
  • You don't have to worry about military exclusions. This plan is designed for FRA members. You can rely on it to help protect you even if you serve on active duty or in the reserves. (Suicide within the first two years is not covered.)
  • You'll pay economical group rates. You have the buying power of more than 80,000 Shipmates to help keep the premiums economical.
  • Affordable coverage on higher benefit amounts. The rates per $1,000 in coverage are lower if you choose a total benefit amount over $100,000. Plus, if you qualify as a nonsmoker, you may save even more with “Preferred Plus” or “Preferred” rates.

 

Detailed Rate Information

Note: The cost of this life insurance is based upon the member and spouse's gender, amount of insurance requested, smoking status, health status and attained age. Only nonsmokers meeting the highest underwriting standards will qualify for "Preferred Plus" or "Preferred" rates. Other nonsmokers may qualify for the "Standard" rates. Only smokers will qualify for "Standard" rates.

 

10-Year Group Level Term
Band 1- Benefit Amounts $50,000 through $100,000 
Annual Rates per $1,000

Male Annual Premiums

Female Annual Premiums

Issue Age

Preferred

Standard

Standard Smoker

Issue Age

Preferred

Standard

Standard Smoker

20-30

$1.00

$1.57

$2.25

20-30

$0.87

$1.26

$1.74

31

1.03

1.64

2.36

31

0.91

1.33

1.86

32

1.07

1.71

2.49

32

0.94

1.41

1.99

33

1.11

1.79

2.62

33

0.98

1.48

2.12

34

1.15

1.88

2.78

34

1.01

1.56

2.25

35

1.20

1.99

2.96

35

1.06

1.64

2.39

36

1.27

2.13

3.19

36

1.10

1.73

2.55

37

1.34

2.28

3.45

37

1.14

1.83

2.71

38

1.40

2.42

3.68

38

1.20

1.95

2.91

39

1.48

2.57

3.93

39

1.26

2.08

3.12

40

1.55

2.73

4.21

40

1.32

2.21

3.34

41

1.63

2.91

4.51

41

1.37

2.34

3.56

42

1.72

3.11

4.84

42

1.44

2.48

3.79

43

1.82

3.34

5.21

43

1.49

2.60

3.99

44

1.93

3.59

5.64

44

1.55

2.73

4.20

45

2.06

3.86

6.08

45

1.61

2.86

4.42

46

2.19

4.15

6.57

46

1.68

2.99

4.64

47

2.34

4.46

7.09

47

1.75

3.14

4.90

48

2.47

4.73

7.54

48

1.82

3.29

5.15

49

2.59

5.00

7.99

49

1.90

3.46

5.43

50

2.73

5.25

8.47

50

1.98

3.63

5.71

51

2.88

5.58

8.96

51

2.06

3.81

6.00

52

3.03

5.89

9.48

52

2.15

3.99

6.32

53

3.27

6.39

10.33

53

2.26

4.22

6.69

54

3.53

6.92

11.23

54

2.37

4.46

7.10

55

3.81

7.51

12.22

55

2.49

4.71

7.54

56

4.11

8.14

13.26

56

2.63

4.98

7.99

57

4.43

8.83

14.41

57

2.76

5.25

8.46

58

4.74

9.43

15.52

58

2.91

5.57

8.99

59

5.07

10.20

16.70

59

3.07

5.91

9.55

60

5.40

10.93

17.93

60

3.23

6.26

10.13

61

6.12

12.07

19.45

61

3.68

6.92

10.87

62

6.89

13.27

21.10

62

4.15

7.62

11.71

63

7.82

14.87

23.45

63

4.66

8.33

12.55

64

8.86

16.71

26.18

64

5.15

9.09

13.72

 

10-Year Level Term Life
Band 2 - Benefit Amounts of $100,001 through $250,000
Annual Rates per $1000

Male Annual Premiums

Female Annual Premiums

Issue Age

Preferred Plus

Preferred

Standard

Standard 
Smoker

Issue Age

Preferred Plus

Preferred

Standard

Standard 
Smoker

20-30 $0.68 $0.76 $1.34 $2.01 20-30 $0.58 $0.64 $1.02 $1.51
31 0.71 0.80 1.40 2.12 31 0.61 0.67 1.09 1.62
32 0.74 0.83 1.48 2.25 32 0.64 0.71 1.17 1.76
33 0.77 0.87 1.55 2.38 33 0.67 0.74 1.24 1.88
34 0.81 0.91 1.64 2.54 34 0.70 0.78 1.32 2.01
35 0.86 0.97 1.76 2.73 35 0.74 0.82 1.41 2.15
36 0.91 1.03 1.89 2.96 36 0.77 0.86 1.50 2.31
37 0.97 1.10 2.05 3.22 37 0.81 0.91 1.59 2.47
38 1.02 1.17 2.18 3.44 38 0.86 0.96 1.72 2.68
39 1.09 1.24 2.33 3.69 39 0.90 1.02 1.84 2.89
40 1.15 1.32 2.50 3.97 40 0.95 1.08 1.97 3.10
41 1.22 1.40 2.68 4.27 41 1.00 1.14 2.11 3.32
42 1.29 1.48 2.87 4.60 42 1.05 1.20 2.25 3.55
43 1.37 1.58 3.10 4.98 43 1.10 1.25 2.37 3.76
44 1.46 1.70 3.36 5.40 44 1.15 1.31 2.49 3.96
45 1.56 1.82 3.62 5.84 45 1.20 1.37 2.62 4.18
46 1.68 1.96 3.92 6.33 46 1.25 1.44 2.76 4.41
47 1.80 2.10 4.23 6.85 47 1.31 1.51 2.91 4.67
48 1.91 2.23 4.50 7.30 48 1.37 1.58 3.06 4.92
49 2.02 2.36 4.76 7.75 49 1.44 1.66 3.22 5.19
50 2.13 2.50 5.05 8.23 50 1.51 1.74 3.39 5.47
51 2.26 2.65 5.35 8.72 51 1.58 1.83 3.57 5.77
52 2.39 2.80 5.65 9.24 52 1.65 1.91 3.76 6.08
53 2.59 3.03 6.15 10.09 53 1.74 2.02 3.98 6.45
54 2.81 3.29 6.69 10.99 54 1.84 2.13 4.22 6.86
55 3.05 3.57 7.27 11.98 55 1.94 2.26 4.47 7.30
56 3.30 3.87 7.90 13.02 56 2.06 2.39 4.74 7.75
57 3.57 4.19 8.59 14.17 57 2.17 2.53 5.01 8.22
58 3.83 4.50 9.25 15.28 58 2.29 2.67 5.33 8.75
59 4.11 4.84 9.96 16.45 59 2.43 2.83 5.67 9.32
60 4.38 5.16 10.69 17.68 60 2.56 2.99 6.02 9.89
61 5.04 5.88 11.83 19.21 61 2.98 3.44 6.68 10.63
62 5.75 6.65 13.03 20.94 62 3.43 3.92 7.38 11.47
63 6.58 7.58 14.63 23.30 63 3.90 4.42 8.09 12.38
64 7.51 8.62 16.47 26.04 64 4.36 4.98 8.94 13.59


Your rate for the entire term of your protection is the rate for your age at the time coverage is issued. You'll be billed quarterly. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.
 

The benefits and rates for this group policy are guaranteed for 31 days. Rates and/or benefits may be changed on a class basis. You can not be singled out for a rate increase or a change in benefits and we will notify you in advance in writing of any changes.
 

You qualify for nonsmoker rates if you haven't used tobacco/nicotine in the past 12 months. Although the rates for the FRA-endorsed 10-Year Level Term Life Insurance Plan are designed to remain level for the entire period, Hartford Life and Accident Insurance Company reserves the right to increase or decrease the rates to preserve the stability of the plan. However, the rates will not increase due to your age or health.
 

Eligibility: As an FRA member under age 65, and a resident of the U.S., you can apply for benefits for yourself and your spouse under age 65, if not legally divorced or separated from you.
 

Termination: Your  Plan will continue as long as you maintain your FRA membership, pay your premiums when due, your 10-year term of coverage has not expired and the Master Policy stays in force. Your spouse’s coverage ceases when your coverage terminates, premiums are not paid or he or she is legally divorced or separated from you.
 

Beneficiary: Your spouse will automatically be the beneficiary for the 10-Year Level Term Life Plan. If your spouse is no longer living, your benefits will be paid to your children, parents, brothers and sisters, or estate (in that order). You will automatically be set up to collect benefits for your spouse's protection. If you'd like to designate a different beneficiary, contact the plan administrator.
 

Effective Date: Your  10-Year Level Term Life Insurance Plan will become effective on the first day of the month after your application has been approved and your first premium payment is received. If on the date that you are to become covered, you or your covered spouse is not Actively-at-Work, or if not employed, unable to carry on the normal activities of a person of like age and sex in good health, coverage will not become effective until the first day of the month on or next following the date you complete such activities for 90 consecutive days.
 

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford¹ and underwriting guidelines. As part of the evidence of insurability process, 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. 
 

Premiums are guaranteed to remain level for the first 10 years of coverage. At the end of the 10-year period, if you still meet requirements of eligibility, you may apply for reentry. A written application and evidence of insurability satisfactory to The Hartford is required. Or you can be automatically transferred to a group annually renewable term life policy with attained age rates, without evidence of insurability, and subject to all terms and eligibility requirements of that policy.
 

NOTICE OF INSURANCE INFORMATION PRACTICES

To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources such as medical professionals and institutions, employers and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose necessary items of information to third parties without your specific authorization.
 

INVESTIGATIVE CONSUMER REPORTS – NOT APPLICABLE TO RESIDENTS OF NEW YORK

As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.
 

PERSONAL HISTORY INTERVIEW

To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.
 

MEDICAL INFORMATION BUREAU (MIB) PRE-NOTICE

Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400 , Braintree , Massachusetts 02184 -8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company , or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.
 

ACCESS, CORRECTION AND DISCLOSURE

You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, 200 Hopmeadow St., Simsbury, CT 06089.
 

PA-9369
 

¹The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 
 

This is a listing of highlights for the above Insurance plan. Be sure to review the entire website for a detailed plan description.
 

This website explains the general purpose of the insurance described, but in no way changes or affects the policy 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 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.
 

This is private insurance. This insurance is not associated with SGLI.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-424-1120
 Email
fra.service@mercer.com
 Insurance Company Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
 Website
http://www.mercer-web.com/products/thehartford.html

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Are rates lower for nonsmokers?

    You qualify for nonsmoker rates if you haven’t smoked cigarettes, cigars or used a pipe or chewing tobacco, nicotine product or snuff during the 12 months prior to the date you apply for coverage.
  • Who is eligible for this insurance?

    FRA members and spouses under age 65, and resident of the U.S. are eligible to apply.
  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like by calling 1-800-424-1120.
  • When is the coverage effective?

    Your coverage will start on the first day of the month after your application has been accepted and your first premium has been paid. If you send a check with your application, your coverage will begin on the first day of the month after your application is approved.
  • When does the coverage end?

    You can keep your coverage for as long as you want—no matter what your health—as long as you remain an FRA member, pay your premiums on time and the Master Policy stays in force. Your spouse’s coverage ceases when your coverage terminates, premiums are not paid or he or she is legally separated from you. Policy age limit for member and spouse is 75.
  • What if I have second thoughts after I apply?

    You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

AGT-1751

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.