skip to main content

Union Plus

AFL-CIO Union Plus benefits help current and retired labor union members and their families save money and support them through major milestones, celebrations and hardships. Learn More.
Union Members & Families: Get Special Union Deals Now! Never Show Again Close
Union Plus
Union Members & Families: Get Special Deals Now!
Fill in below to take advantage of special union discounts and benefits

Select your union:

Select your occupation

Are you a Union Plus credit cardholder?

View Privacy Policy

Group Life Insurance Plans for Union Members

  • print
Life Insurance

The Union Plus Life Insurance Difference:

  • Competitive rates for life insurance. Call 1-800-393-0864.
  • Union Plus Insurance is underwritten by Hartford Life and Accident Insurance Company1.
  • Strict oversight by an unpaid, independent board of AFL-CIO trustees who are retired union members.
  • Layoff assistance and strike assistance that help protect union members when you're out of work.
  • Support from a third-party union member advocate for union members requesting assistance.

To apply for Union Plus Life Insurance

Phone: Call 1-800-393-0864 and an experienced rep will help you get the best insurance for your situation.

Online: Visit the Union Plus Insurance Web site and apply online.


Union Plus Life Insurance offers several types of coverage.

  • Term-to-70 Life Insurance (for ages 18-64) Whether it's from an illness or an accident, you can help increase your family's security until age 70 without ever reapplying for coverage. Life insurance rates are based on a 5-year age bands. And with its "living benefit" feature you can collect benefits from this life insurance when you might need them the most - during a terminal illness.
    Form SRP-1153 A (HLA) (1660) Rev. -1
  • Senior Term Life Insurance (for age 55 and over) Designed for mature empty-nesters who don't want to leave the burden of final expenses on their families after they die. There's no termination age for this life insurance. A range of coverage options to fit your budget is available. And a "living benefit" feature allows you to collect benefits, and pay no monthly life insurance premium, when you might need them the most - during a terminal illness or when you are confined to a nursing home.
    Form SRP-1153 A (HLA) (1661)

    If you are a member of the AFT or CSEA and looking for information on the Senior Term Life program, please call 800-393-0864 and a representative will happily assist you.


Life Insurance Service Features

Learn about the details of Union Plus term life insurance on

Union Plus Insurance is underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT 06089.

Life Insurance Tips

How much insurance do you need? You can also get a ballpark figure using any number of formulas. The easiest way is to simply take your annual salary and multiply by 8.

A more detailed method is to add up the monthly expense your family will incur after your death. Remember to include the one-time expenses at death and the ongoing expenses such as a mortgage or school bills. Take the ongoing expenses and divide by .07. That indicates you'll want a lump sum of money earning approximately 7% each year to pay those ongoing expenses. Add to that amount any money you'll need to cover one-time expenses and you'll have a rough estimate of the amount of life insurance you need.*

*This information is not intended to serve as financial advice. Please see your personal financial advisor for more information, as individual needs may vary. This calculation provides only a simple estimate. You may have other expenses, liabilities or assets that may not be included in this calculation.

Check out a glossary of insurance-related terms on the Union Plus Insurance site.


The Union Plus Life Insurance Plan is available in the Unites States. This product is not available in all states. Please visit the Union Plus Insurance website for further information.

Who is eligible?

  • All dues-paying labor union members
  • Retired union members
  • Spouse, domestic partner and children of union members
  • Widows/widowers of union members

Customer Service

For any questions, including submitting a claim or enrollment, call Union Plus Insurance directly at 1-800-393-0864 (M-F, 8 am to 7 pm, ET).

You may also submit questions online through the Union Plus Insurance site.

We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 1-800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or online at

1 The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Home Office is Simsbury, CT 06089.

Explore Union Plus