Nobody plans a fatal accident or an illness, but you can ensure now that your family is protected against the extra financial burden that goes with your loss.

UnionSecure's 10-Year Level Term Life insurance is real protection to help cover your family during the most crucial years - when your family bills are at their highest. And it can help cover the bills that employer-sponsored plans leave behind – such as the mortgage, college tuition, car payments, and other outstanding debt.

UnionSecure's 10-Year Level Term Life insurance gives your family the most – when they need it the most. And it costs a lot less than you may think, thanks to the negotiating-power of union membership.

Choose your level of protection – from $25,000 to $200,000 – you select the amount of protection you want to purchase.

• Premium and benefits are locked-in for 10 years – there’s no increase to your premium or reduction in benefits due to age. Coverage cannot be cancelled or changed by the company.
• Pays in addition to any other benefits you may have – because employer-sponsored plans rarely provide the full protection you need.
• No medical exam required for coverage up to and including $100,000. Acceptance is usually based on your answers to a few health questions. If needed, a brief medical exam can be completed at your home or office. This exam is performed by a paramedic who reviews your medical history, checks height/weight, blood pressure and collects blood and urine samples. Acceptance into this plan is subject to medical insurability as determined by The Hartford.
• Spouse or domestic partner are also eligible to apply - even if you do not.
• Premiums are waived if your union goes on strike – payment of your premium is waived for up to three months if you are involved in a union-sanctioned strike, lock-out or involuntary layoff lasting 30 days or more. Not available for all unions or in all states.
• Pays full benefits for both death by accident or illness anywhere in the world – while at work or away from work. And benefits do not reduce with age.
• Accidental Death Benefit – Should death be the result of a covered accident any place in the world, including your workplace, your family would receive an additional $15,000. This benefit covers you 24 hours a day, 7 days a week.

How Much It Costs

The amount of your monthly premium depends upon the level of coverage you choose - and whether or not you are a smoker. Rates are based also on your age when you purchase the policy – this is to assure that you are getting the most benefits for your premium dollar.

And remember, your rate is locked-in for ten years; you’ll always pay the same monthly amount no matter what happens to your health.

At the end of your 10-year term, if you’re under age 65, you can re-apply for a new 10-year term by completing a new application, answering medical questions and going through underwriting. 

Or, if your application does not pass underwriting, you may continue the policy as an annual renewable term (ART) policy. ART rates are based on your current age and change annually. Rates for this policy are higher than the 10-year term rates because poor health indicates a higher risk.

Monthly Premium for Smokers
Age	25,000	50,000	75,000	100,000	150,000	200,000
20	$3.52	$7.04	$10.56	$14.08	$16.13	$21.51
21	$3.44	$6.88	$10.32	$13.76	$15.65	$20.87
22	$3.44	$6.88	$10.32	$13.76	$15.25	$20.33
23	$3.58	$7.16	$10.74	$14.32	$15.15	$20.20
24	$3.79	$7.58	$11.37	$15.16	$15.05	$20.07
25	$4.03	$8.05	$12.08	$16.10	$15.48	$20.64
26	$4.17	$8.33	$12.50	$16.66	$15.53	$20.71
27	$4.38	$8.75	$13.13	$17.50	$15.98	$21.31
28	$4.55	$9.09	$13.64	$18.18	$16.55	$22.07
29	$4.84	$9.68	$14.52	$19.36	$17.55	$23.40
30	$5.18	$10.35	$15.53	$20.70	$18.40	$24.53
31	$5.64	$11.28	$16.92	$22.56	$19.60	$26.13
32	$6.06	$12.11	$18.17	$24.22	$20.53	$27.37
33	$6.44	$12.87	$19.31	$25.74	$21.88	$29.17
34	$6.82	$13.63	$20.45	$27.26	$23.28	$31.04
35	$7.18	$14.36	$21.54	$28.72	$24.75	$33.00
36	$7.55	$15.09	$22.64	$30.18	$26.25	$35.00
37	$7.95	$15.89	$23.84	$31.78	$27.93	$37.24
38	$8.38	$16.75	$25.13	$33.50	$29.53	$39.37
39	$8.91	$17.82	$26.73	$35.64	$31.35	$41.80
40	$9.52	$19.03	$28.55	$38.06	$33.48	$44.64
41	$10.12	$20.24	$30.36	$40.48	$35.90	$47.87
42	$10.72	$21.44	$32.16	$42.88	$39.10	$52.13
43	$11.61	$23.21	$34.82	$46.42	$42.83	$57.11
44	$12.67	$25.33	$38.00	$50.66	$46.88	$62.51
45	$13.19	$26.38	$39.57	$52.76	$51.50	$68.67
46	$14.52	$29.04	$43.56	$58.08	$56.60	$75.47
47	$15.96	$31.92	$47.88	$63.84	$62.45	$83.27
48	$17.26	$34.52	$51.78	$69.04	$67.88	$90.51
49	$18.73	$37.45	$56.18	$74.90	$73.93	$98.57
50	$20.42	$40.84	$61.26	$81.68	$80.88	$107.84
51	$22.33	$44.65	$66.98	$89.30	$88.38	$117.84
52	$24.43	$48.85	$73.28	$97.70	$96.58	$128.77
53	$27.14	$54.28	$81.42	$108.56	$107.33	$143.11
54	$30.05	$60.09	$90.14	$120.18	$119.33	$159.11
55	$33.24	$66.48	$99.72	$132.96	$132.23	$176.31
56	$36.70	$73.40	$110.10	$146.80	$145.33	$193.77
57	$40.57	$81.13	$121.70	$162.26	$159.35	$212.47
58	$44.14	$88.27	$132.41	$176.54	$170.33	$227.11
59	$47.82	$95.64	$143.46	$191.28	$182.50	$243.33
60	$51.80	$103.60	$155.40	$207.20	$195.43	$260.57
61	$55.91	$111.82	$167.73	$223.64	$209.40	$279.20
62	$60.11	$120.21	$180.32	$240.42	$224.40	$299.20
63	$62.58	$125.15	$187.73	$250.30	$241.85	$322.47
64	$65.21	$130.41	$195.62	$260.82	$260.18	$346.91

*You are considered a non-smoker if you have not smoked cigarettes, cigars or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during the 12 months before submitting an application for insurance. Rates and/or benefits may be changed on a class basis.

Why should I choose UnionSecure?

It's unique coverage for union members:

• Serves union members and their families – exclusively - and is able to provide specially arranged rates typically reserved only for large groups.
• Provides a strike waiver of premium if your union goes on strike– payment of premium is waived for up to three months if you are involved union-sanctioned strike, involuntary layoff or lockout lasting 30 days or more.
• Receives strict oversight by the Member Benefit Fund trustees of the AFL-CIO.

• Coverage without re-application, underwriting, or changes to your benefits for 10 years.
• Pays full benefits for both death by accident or illness anywhere in the world – while at work or away from work.

• Unlike some other insurance providers, there’s no medical exam required to qualify for coverage up to and including $100,000. Acceptance is usually based on your answers to a few health questions.
• When an exam is required for greater coverage, it’s at no cost to you.  A brief medical exam can be completed at your home or office.  This exam is performed by a paramedic who reviews your medical history, checks height/weight, blood pressure and collects blood and urine samples. Acceptance into this plan is subject to medical insurability as determined by The Hartford.
• Does not use gender distinctions as a way to set rates.
• Spouse or domestic partner can apply - even if you do not.
• Provides you a 60-day review period with a satisfaction guarantee if you decide that the coverage is not right for you.

Eligibility

• Members and their spouses or domestic partners at least 18 years of age and under 60 years of age who reside in the United States.
• The maximum age for a new 10-year term period is 59; coverage terminates at age 75.
• Available in all states except Georgia and Louisiana. Available in the District of Columbia. Not available in Canada or U.S. territories.

For more information on the plan, including eligibility and termination, please see the FAQ section.

Questions? Call 1-800-393-0864.

Choose 1 of 3 options for applying:

• Complete a secure online application. It's easy, safe and fast!
• Click here to download an application form.
  Print it, fill it out and mail it in!
  (It’s an AdobeAcrobat file, get a free reader by clicking here).
  
  
• Request an application via mail:
• By calling 1-800-393-0864
• By completing an online request form

This website explains the general purpose of the insurance described, but in no way changes or affects the policy 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 the 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 and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089

Form: SRP - 1153 CRT A (HLA) (AGT-1003)