Union Plus
Term-to-70 Life Insurance Plan

Term-to-70 helps protect your family from the unexpected

You've worked hard to keep your family secure, but unexpected situations can happen.
That’s why it’s important to get a life insurance plan that helps protect your family’s financial future.

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Why should I get Term-to-70 Life Insurance? 

Term-to-70 Life Insurance helps protect your family from the financial burden of an unexpected death. The costs of funeral arrangements and outstanding bills are high enough, not to mention the day-to-day bills (mortgage, car payment, college tuition, etc.) your family will face when you’re gone. And with today's rising costs and debt, many employer-sponsored life insurance plans may not provide enough coverage alone.

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What makes the Union Plus plan different? 

Union Plus Term-to-70 Life Insurance exclusively serves union members and their families. We’re 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 to the Senior Term Life insurance plan without any medical questions. 
  • Provides a waiver of premium — which 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 union-member-only benefit. 
  • Unlike some other insurance administrators, Union Plus does not ask you to take a medical exam, depending on your answer to the health questions on the application, for coverage up to and including $200,000 in order to receive coverage.  
  • 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, US-based customer service support phone number. 

Union Plus Term-to-70 Life Insurance rates

And, in case you missed it, last year Union Plus negotiated 12% lower premiums for the Union Plus Term-To-70 Life Insurance Plan. The reduced rates applied to all union members, including the thousands who had already purchased coverage. As a union member you are eligible for this valuable term life insurance at affordable rates not available to the general public.

The Term-to-70 Insurance Plan offers rates in 5-year age bands. 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 or cigars, or used a pipe, chewing tobacco, nicotine products or snuff during the 12 months before applying for insurance.

You select the amount of protection you want to purchase.

Non-smoker monthly rates  
Age $25,000 $50,000 $75,000 $100,000 $150,000 $200,000
18-29 $2.00 $4.00 $6.00 $8.00 $12.00 $16.00
30-34 $2.05 $4.10 $6.15 $8.20 $12.30 $16.40
35-39 $2.45 $4.90 $7.35 $9.80 $14.70 $19.60
40-44 $3.45 $6.90 $10.35 $13.80 $20.70 $27.60
45-49 $5.30 $10.60 $15.90 $21.20 $31.80 $42.40
50-54 $8.20 $16.40 $24.60 $32.80 $49.20 $65.60
55-59 $13.35 $26.70 $40.05 $53.40 $80.10 $106.80
60-64 $21.45 $42.90 $64.35 $85.80 $128.70 $171.60
65-69* $33.95 $67.90 $101.85 $135.80 $203.70 $271.60
Smokers Monthly Rates
Age $25,000 $50,000 $75,000 $100,000 $150,000 $200,000
18-29 $3.40 $6.80 $10.20 $13.60 $20.40 $27.20
30-34 $3.80 $7.60 $11.40 $15.20 $22.80 $30.40
35-39 $4.80 $9.60 $14.40 $19.20 $28.80 $38.40
40-44 $6.95 $13.90 $20.85 $27.80 $41.70 $55.60
45-49 $11.15 $22.30 $33.45 $44.60 $66.90 $89.20
50-54 $17.40 $34.80 $52.20 $69.60 $104.40 $139.20
55-59 $27.85 $55.70 $83.55 $111.40 $167.10 $222.80
60-64 $42.55 $85.10 $127.65 $170.20 $255.30 $340.40
65-69* $63.20 $126.40 $189.60 $252.80 $379.20 $505.60


*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.

Ready to save?

Union Plus Term-to-70 Life Insurance helps protect your family from the financial burden of an unexpected death.

Apply now


Your questions, answered. 

Need help?

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).



If You or Your Dependent commit suicide, while sane or insane:

  1. during the first two years of coverage under The Policy, We will only pay the deceased person's Life Insurance Benefit in an amount equal to the premium paid for coverage to the date of death; or 

  2. 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.  The two year period includes the time coverage was in force under a Prior Policy. 

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. Spouse or domestic partner Coverage terminates on the earliest to occur: the date the Policy is canceled; or your coverage terminates; or the premium due date on or next following the date he or she is legally separated or divorced from you, attains age 70, or premiums are not paid. 

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-1936 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. 

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.

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

Amy Cybyske, Licensed in all applicable jurisdictions.

The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

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