Group Term Life Insurance Plan

Like you, we understand the importance of protection. After all, life is everchanging and never guaranteed. If you were to pass away, the AFSA Group Term Life Insurance plan can help provide your loved ones with financial support.


Why Choose AFSA Group Term Life Insurance?

You have a lot of choices when it comes to purchasing life insurance. Here’s why you should consider AFSA:

  • Competitive rates: We leverage the group buying power of all AFSA members to bring you economical rates.
  • Portable policies: Your policy will stay with you even if you change jobs.*
  • Straightforward service: Our knowledgeable insurance representatives can help you interpret insurance jargon, fill out an application, file a claim, and more.
  • A loyal organization: AFSA is 100% committed to you. We've been advocating on your behalf since 1961.
  • A trustworthy carrier: Our term life insurance plan is underwritten by The Hartford1, a leading provider of life and disability insurance products.

1The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT, 06155.

*As long as you remain an AFSA member, pay premiums when due, and the group policy remains in force


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Standard Issue (Non-California or New York residents)
(Up to $500,000* of coverage for eligible members under age 60. Up to $100,000 of coverage for eligible members ages 60-69.)

Complete Online

Standard Issue (California residents)
(Up to $500,000* of coverage for eligible members under age 60. Up to $100,000 of coverage for eligible members ages 60-69.)

Download Application

Standard Issue (New York residents)
(Up to $500,000* of coverage for eligible members under age 60. Up to $100,000 of coverage for eligible members ages 60-69.)

Download Application

Simplified Issue Coverage
(Up to $200,000* of coverage for eligible members under age 60.)

Hours: Monday – Friday, 7 a.m. to 7 p.m. CT

Coverage is not available in all states.


Plan Highlights

  • Annually renewable, meaning you can renew your coverage each year without a physical exam1
  • Coverage amounts from $25,000 to $500,000**
  • Spouse and dependent coverage available
  • Living benefit option that allows you to receive a portion of your life insurance benefit while you're still living if you're diagnosed with a terminal illness2
  • Discounted rates for nonsmokers
  • $25,000 to $200,0003 of simplified issue coverage available for members under age 60

Want more details? Download the AFSA Group Term Life Insurance brochure.

1As long as you remain an AFSA member, pay premiums when due, and the group policy remains in force

2Terminal Illness or Terminally Ill means a life expectancy of 12 months or less.

3At age 70, benefits over $100,000 will reduce to $100,000 and at age 80, benefits over $50,000 will reduce to $50,000.

Plan Rates

MONTHLY GROUP RATES per $25,000
Standard and Simplified Issue Group Term Life
Age Nonsmoker Smoker
<30 $1.85 $3.30
30-34 $2.02 $3.89
35-39 $2.50 $5.05
40-44 $3.65 $7.68
45-49 $5.74 $12.28
50-54 $9.11 $19.61
55-59 $15.69 $33.00
60-64 $21.59 $43.11
65-69 $34.45 $64.34
70-74 $55.39 $94.93
75-79 $93.41 $146.48
80-84 $164.65 $236.69

Dependent child rates: $2.59 monthly

Rates are based on the attained age of the insured person and increase as you enter each new age category. Rates for ages 65 and over are renewal rates only. Rates and/or benefits may be changed on a class basis. Smoker means you or your Dependent who has smoked cigarettes or cigars or used a pipe or chewing tobacco, nicotine chewing gum, or snuff during the 12 months prior to the date application for coverage was made.

Resources (including details on eligibility, termination, exclusions and limitations)

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1953 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.

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