Plan Details FAQs Exclusions

Term-to-70 Life Insurance – for union members and their families

Whether it’s an accident or a sudden illness, the unexpected can always happen. And experience tells us, it often does. That’s why life insurance is important protection for your family’s financial future. And it’s also why many employers sponsor a basic plan for their employees.

But many employer-sponsored plans provide only a minimal amount of coverage - not enough to cover all the bills and other day-to-day costs your family faces when you’re gone.

You’ve worked hard to keep your family secure, now’s your opportunity to help protect that security without ever having to reapply for coverage. You’ll have the same coverage until you are 70 years old – when you’ll have the option to choose our Senior Life plan without medical questions or an exam.

Once approved, your premiums are locked-in to 5-year bands. For example, for only 45 cents a day, a 39-year-old union member could provide his or her family up to $100,000 in death benefits without having to take a medical exam. Amounts over $100,000 require medical exams.

No surprise increases. No hassle. And in some instances, you may begin collecting your benefits even before you die (see below). With the power of many, you simply get more with union membership and UnionSecure.

1. Choose your level of protection – from benefits paying $25,000 to $250,000, you select the amount of protection you want to purchase.
2. Living benefit – Receive up to 80% payout of your life insurance benefit if you suffer a terminal illness.* This allows you to get up to 80% of your benefit money when you need it the most.
3. Accidental Death Benefit - Should death be the result of a covered accident anyplace 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.**
4. Pays in addition to any other benefits you may have – because employer-sponsored plans rarely provide the full protection you need.
5. Spouse or domestic partner are also eligible to apply.
6. Premiums are waived when insured is terminally ill.
7. Premiums are waived while on strike – you do not have to pay your premium for up to three months if you are involved in a union-sanctioned strike, lock-out or involuntary layoff lasting 30 days. This benefit is not available in all states or for all unions.
8. 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.
9. Cannot be terminated – for any reason other than non-payment of premium, if you reach age 70, if your union notifies UnionSecure that you are no longer a member, or if the group policy is no longer in effect.
10. Coverage without re-application, underwriting, or changes to your benefits until age 70 – when you can choose to move to the Senior Life plan without medical questions or an exam.

*Terminal illness means the covered person has a life expectancy of 12 months or less.

** The Accidental Death benefit is subject to additional exclusions outlined in your Certificate of Insurance that you will receive.

Learn More

• Complete a secure online application. It's easy, safe and fast!
• Click here to download an applicaton form.
  Fill it out online, print it, 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? Call-800-393-0864.

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

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

Form: SRP - 1153 A (HLA) (1660)