Make sure your family doesn’t inherit your bills
You've already given your family everything over the years. Here's an opportunity to help make sure they aren't left with the burden of final expenses once you're gone.
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Why should I get Guaranteed Issue 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. Union Plus helps to provide economic coverage for union members wanting peace of mind that they are helping to ensure their families do not inherit their bills.
What benefits are included?
Union Plus provides economical Guaranteed Issue Senior Term Life Insurance coverage for older, active and retired union 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.
- Coverage is Guaranteed Issue with no doctor’s visits, no medical exams and no lab tests required.
- No Termination age. As long as you remain eligible and pay your premiums, you can keep this coverage as long as you want.
- 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 enroll.
- Union Plus Guaranteed Issue Senior Term Life Insurance was created by Union Plus exclusively for union members and retirees like you and your family. And it comes with a 60-day satisfaction guarantee so you can choose it with confidence.
Union Plus Guaranteed Issue Senior Term Life Insurance Rates
Union Plus negotiated with the insurance company for premium rate reductions on the most popular insurance plans offered. The decreases apply for all members, even the thousands that already own the coverage. Another example of the bargaining power of unions and Union Plus. These lower premiums make this Guaranteed Issue Senior Term Life Insurance Plan more affordable than ever.
*Renewal rates only.
Rates and/or 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. Rates for age 75 and over are for renewal only. At age 80 benefits will reduce to $5,000 with an appropriate change in premium.
Ready to enroll?
The Union Plus Guaranteed Issue Senior Term Life Insurance Plan provides peace of mind that your family won’t inherit your bills when you die.Enroll now
Your questions, answered.
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155
Speak to a Union Plus Insurance Representative at 800-393-0864 (8 a.m. to 7 p.m. ET, weekdays).
You may also contact the Union Plus Member Advocate, an OPEIU Local 2 member, at 800-472-2005 (8:30 a.m. to 4:30 p.m. ET, weekdays).
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Retiree Health Insurance
Comprehensive Medicare Advantage coverage, available exclusively to retired union members and their families.
Accident insurance plans help protect your family in case something happens to you.
Guaranteed Issue Senior Term Life Insurance Terms & Conditions
Exclusions: If an Insured Person commits suicide during the first two years of coverage under The Policy, only an amount equal to the premium paid for coverage to the date of death will be paid. And during the two years immediately following an increase in coverage under The Policy, we will only pay the deceased person’s Life Insurance Benefit in an amount equal to the Amount of Life 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.
Graded Death Benefit: During a Covered Person’s first two years of coverage under the policy, benefits for loss of life due to Injury and Sickness are payable as follows: Injury — If death is the result of Injury and occurs during the first two years of coverage, we will pay the deceased person’s Amount of Life Insurance. Sickness — If death is the result of Sickness and occurs during the first two years of coverage, the amount payable will be an amount equal to the premiums paid for coverage with interest, using an annual interest rate of 10% compounded annually. After a Covered Person has been continuously covered under the policy for two years, we will pay the deceased person’s Amount of Life Insurance for loss of life due to Injury or Sickness.
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-1938 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 Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including Hartford Life and Accident Insurance Company under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155.
Gallagher Affinity Insurance Services, Inc. administers the insurance on behalf of Hartford Life and Accident Insurance Company. Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.