We live longer today than we ever have before. But as we spend more time in retirement, the less likely we’ll have enough left over for final expenses and outstanding bills once we’re gone.

UnionSecure provides economical coverage for older, active and retired union members and their spouses wanting the peace of mind of helping to ensure that their families do not inherit their bills.

And unlike other programs there’s no termination age. No medical exam. And your premium is waived if you are ever confined to a nursing home. Plus, a "living benefit" feature allows you to collect benefits when you might need them the most – during a terminal illness.

Clear and simple, UnionSecure is practical coverage for today’s needs.

• 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 – because employer-sponsored retirement plans rarely provide the protection you need.
• Coverage without re-application or underwriting. You’ll never have to fill-out another form or answer any questions as long as you keep the policy.
• No medical exams are required. The application process is made simple.
• Premiums are waived if you become terminally ill or become nursing home confined.
• Pays benefits for loss of life by accident or illness, anywhere in the world.
• Your benefits will not reduce until age 80 in order to keep coverage affordable.  But the reduced coverage stays in force even if you live to over 100 years old.
• Spouse or domestic partner are also eligible to apply.
• No-cost living benefits – Receive up to 50% payout of your life insurance benefit if you suffer a terminal illness. This allows you to get up to 50% of your benefit money when you need it the most. (And this benefit is available to you until 80 years of age.)

How Much It Costs

Your premium is based on your age when you purchase the policy. Rates increase when you enter a new 5-year age band as shown on the chart below – this is to ensure that you are getting the most benefits from your premium dollar.

Also, in order to keep premiums at affordable levels, benefits reduce at age 80 to $5,000 with an appropriate adjustment in premium.

*Rates and/or benefits may be changed on a class basis. Rates for age 75 and over are for renewal only.

Why should I choose UnionSecure?

It’s unique coverage for active and retired union members age 55 and over, and spouses or domestic partners age 55 and over:

• Serves members and their families – exclusively - and is able to provide specially arranged rates typically reserved only for large groups.
• Receives strict oversight by the Member Benefit Fund trustees of the AFL-CIO. 

 It’s comprehensive protection you can count on:

• Coverage without re-application or underwriting. You’ll never have to fill-out another form or answer any questions as long as you keep the policy. Pays full benefits for loss of life by accident or illness, anywhere in the world.
• Your benefits will not reduce until age 80 in order to keep coverage affordable.  But the reduced coverage stays in force even if you live to be over 100.

Added features make this plan accessible:

• Unlike some other insurance providers, there’s no medical exam required. Medical suitability is determined by a review of the answers to questions on the application.
• Does not use gender distinctions as a way to set rates.
• Spouse or domestic partner can apply for the same coverage - even if you do not.
• Provides you a 60-day review period with a satisfaction guarantee if you decide that this coverage is not right for you.

Eligibility

• Available to active and retired members ages 55 - 74.
• Available to spouses/domestic partners ages 55 - 74.
• Available in all states with the exception of Georgia. Also available in the District of Columbia. Not available in Canada or U.S. territories.

 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

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

Questions? Call1-800-393-0864

Wondering what is not covered by this insurance program? Read exclusions here.

This Web site explains the general purpose of the insurance described, but in no way changes or affects the Senior Term Life Master Policy AGL-1661 as actually issued. In the event of a discrepancy between this Web site 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 individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states or in all unions.

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

Form SRP-1153 A (HLA)(1661)