Union Plus
AFT+ Senior Term Life Insurance Plan

Make sure your family doesn’t inherit your bills 

Please note: Online application processing will be paused starting November 24, 2022 and will resume on January 15, 2023 to allow for important updates to be made to our online application process. We apologize for the temporary inconvenience.

To request an application by mail, please contact customer service at 800-393-0864.

Current policyholders: Please visit My Account to set up auto-pay, make a one-time payment and review important product information.

Why should I get AFT+ Senior Term Life Insurance? 

We live longer today than we ever have before. But the more time we spend in retirement, the less likely that we'll have enough money left over for final expenses and outstanding bills once we're gone. The AFT+ Senior Life Insurance Plan helps to provide economic coverage for AFT members wanting peace of mind that they are helping to ensure their families do not inherit their bills. 


What benefits are included? 

The AFT+ Senior Term Life Insurance Plan provides economical Senior Term Life insurance coverage for older, active and retired AFT members and their spouses or domestic partners who want to ensure that their families do not inherit all of their bills. Coverage includes these benefits: 

  • Choose your level of protection: benefits paying from $5,000 to $25,000, you select the amount of protection you want to purchase. 
  • Pays in addition to any other benefits you may have because employer-sponsored retirement plans may not provide the protection you need. 
  • Coverage without re-application or underwriting: You may not have to fill-out another form or answer any questions as long as you keep the policy. 
  • No medical exams are required, depending on your answer to the health questions on the application: The application process is made simple. 
  • Pays benefits for loss of life by accident or illness anywhere in the world. 
  • At age 80, if greater than $5,000, benefits will reduce to $5,000 with an appropriate change in premium. 
  • Spouse or domestic partner are also eligible to apply. 
  • Your coverage becomes effective the first of the month following our receipt of your approved application and first premium payment. 

AFT+ Senior Term Life Insurance Plan Rates


Monthly Premiums Initial Benefit Amount Equal To:

Age $5,000 $10,000 $15,000 $20,000 $25,000
55-59 $10.14 $16.63 $23.13 $29.63 $36.12
60-64 $13.43 $23.22 $33.00 $42.79 $52.58
65-69 $17.02 $30.39 $43.78 $57.15 $70.53
70-74 $23.43 $43.21 $62.99 $82.78 $102.56
75-79* $37.86 $75.72 $101.80 $133.76 $165.74

At age 80, if greater than $5,000, your benefits will reduce to $5,000.

Age $5,000
*80-84 $57.63
*85-89 $90.08
*90-94 $133.06
*95-99 $184.07

*For renewal purposes only. 

Rates and/or benefits may be changed on a class basis. Rates for age 75 and over are for renewal only. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed on a quarterly basis. 

Ready to save?

AFT+ Senior Term Life Insurance provides peace of mind that your family won’t inherit your bills when you die.


Your questions, answered. 

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

Need Help?

We're committed to serving you. Contact AFT+ Benefits by phone, call 1-888-423-8700, Monday — Friday 8am - 7pm (EST) for assistance.


Senior Term Life Insurance Terms & Conditions 

Suicide:  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. 

Exclusions:  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. 

The full life insurance benefit amount for the deceased person is payable if he or she is covered under the policy and commits suicide after the two-year period. The two-year period includes the time coverage was in force under a prior policy. 

GRADED DEATH BENEFIT: During the first two years of coverage the benefit payable for death due to sickness will be the premiums paid plus interest. 

Notice of Insurance Information Practices 
Notice of Insurance Information for Massachusetts Residents

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1937 as actually issued. In the event of a discrepancy between this brochure 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. 

Amy Cybyske, Licensed in all applicable jurisdictions.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Acceptance into this plan and premium rates are subject to medical evidence of insurability as determined by The Hartford and underwriting guidelines. As part of the evidence of insurability process evidence of good health may be required. 

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

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. 

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