Group Term Life Insurance Plan


New Offer: Apply for up to $150,000 in coverage, with no medical exam, just five health questions.

Click on the image above to get started.


How secure is your financial future?

Term Life Insurance is pure insurance - without any investment features to increase your costs. It can provide a high level of financial protection for your loved ones at a price you can afford.

Advantages To You

  • You may elect up to $500,000 of Member or Spouse Life Insurance
  • Insurance can be retained when you retire, provided you continue your APWU Membership, premiums are paid when due, and the group policy remains in force.
  • Dependent children may also be insured
  • Affordable APWU Rates are payable through payroll deduction

Who May Apply For Insurance?

You are eligible if:

  • You are an active APWU Member in good standing (PSEs are also eligible)
  • You are working 20 or more hours per week

You may also apply to insure your Spouse and unmarried dependent children (under age 26)


Member/Spouse Life Insurance

You may apply for insurance in amounts of $10,000 to $500,000, in increments of $10,000. You may retain this coverage when you retire. The amount of life insurance for you or your spouse who is now 65 or older or when you attain age 65 will be reduced by 35%. The original amount will be further reduced at age 70 by 75%. Full premiums continue to be payable. The member must apply for the Spouse to be eligible to apply for coverage. Spouse coverage may not exceed member's amount of coverage.

Children's Life Insurance

You may apply for insurance on your eligible Children (under age 26.).

Children age 15 days but less than 6 months may be covered for $1,000 insurance, 6 months and over may be covered for $2,000 of insurance.

Insurance ends when eligibility ends. Insurance issued at $1,000 will increase automatically to $2,000 after the eligible Child reaches 6 months of age.

When Coverage Ends

Your Term Life Insurance protection is renewable provided the group policy remains in force. Earlier termination can only occur if you (1) fail to pay a premium when due (2) the day before the day the insurance on a covered person less the amount of any accelerated death benefit paid equals zero or less; the date your request that insurance ends, the day the policy ends for a group or class of insureds.

Spouse and Children's coverage terminates when your coverage ends. For Spouses, insurance ends upon divorce or annulment of marriage. Children insurance ends when the child is no longer eligible.


SuicideIf a person commits suicide within 2 years (12-months for Missouri residents) from the effective date, New York Life's liability will be limited to the premiums paid, plus interest.

When Coverage Begins

All coverage is subject to approval by the insurance company. Provided you are accepted based on your answers to the medical questions asked in your application, your insurance will be effective on the first pay day the premium is deducted from your paycheck following the date approved. You must be actively at work on that day, otherwise insurance is effective the day you return to work.

Applicable benefits for your Spouse and Children will also become effective on that pay day, provided they are accepted and are not hospitalized on the date insurance is to take effect. If your Spouse or Child(ren) is hospitalized, insurance will take effect on the day after (s)he is discharged.

How To Calculate Your Payroll Deduction

For Member Coverage: Locate the rate that corresponds to your current age. Multiply that rate by the number of $10,000 increments for which you are applying (i.e. $100,000 = 10, $150,000 = 15).

For Spouse Coverage: Locate the rate that corresponds to your Spouse's age. Multiply that rate by the number of $10,000 increments for which your Spouse is applying.

For Children Coverage: Add the flat rate shown in the Children's column. One rate covers all of your eligible Children.

For Total Deduction: Add all of the applicable amounts to determine your total per pay period deduction.


  Member or Spouse All Children
Member or Spouse Age Rate Per $10,000  
Under 30 .42 .31
30-34 .46 .31
35-39 .81 .31
40-44 1.31 .31
45-49 2.08 .31
50-54 3.27 .31
55-59 5.04 .31
60-64 7.62 .31
*65-69 5.74 .31
**70-74 4.33 .31
**75 & Over 7.80 .31

*Benefits reduced by 35% of the original benefit at age 65. Premiums do not reduce.**Benefits reduced by 75% of the original benefit at age 70. Premiums do not reduce.

Note: Rates will increase as you attain a higher age bracket. 

Children age 15 days but less than 6 months may receive $1,000 insurance, 6 months and over may receive $2,000 insurance.

Child(ren)'s insurance ends when eligibility ends. Insurance issued at $1,000 will increase automatically to $2,000 after the eligible Child reaches 6 months of age. 

All rates are current as of 2021.​

How To Apply

  • Simply complete the GROUP TERM LIFE APPLICATION which includes medical questions and authorizes payroll deductions.​
  • Click here to download an Application
  • Please make sure you complete all the information requested. An incomplete application will be returned, resulting in a delay in processing your application.Send no money.
  • Return your application to: The Voluntary Benefits Plan, P.O. Box 12009, Cheshire, CT 06410

Or click below to get a quote and apply online...

Your Evidence of Insurance

Once insured, you will receive a certificate of insurance evidencing coverage which is provided under group Policy G-29315-1/FACE (Policy Form GMR). 

30-Day Free Look

Once you receive your certificate of insurance, if you're not 100% satisfied within the first 30 days, return your certificate without claim and we'll send you a full refund of any premiums paid during that period and your certificate will be considered never issued. You will be under no further obligation​.

Any Questions?

Call the following toll-free number:

  • 1-800-422-4492


Please Note

You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing.​



Accelerated Death Benefit

This benefit is designed to provide you with the option to have a portion of your life insurance benefit paid to you while you are still alive if you become terminally ill while insured. You would then be able to use that money any way you wish.

To qualify for the Accelerated Death Benefit an individual must be insured under the APWU Term Life Insurance Plan and diagnosed as having a life expectancy of 24 months or less. Proof of terminal illness will consist of a statement from the insured’s physician and any other medical information that New York Life believes necessary to confirm the insured’s status.

If the insured qualifies, he or she will be paid, in a lump sum, 50% of the amount of insurance in force on the date of approval of the request. Only the Accelerated Death Benefit will be made during the insured’s lifetime and any benefit payable for loss of life will be reduced by the amount paid under the Accelerated Death Benefit.

Receipt of Accelerated Death Benefits may affect eligibility for public assistance programs.

Conversion Privilege

The plan provides conversion privileges under certain circumstances of involuntary termination, as described in the Certificate of Insurance.


The validity of any amount of insurance which has been in force for two years during the insured’s life will not be contested except for non-payment of premium contribution.

Administered by:
The Voluntary Benefits Plan
P.O. Box 12009 Cheshire, CT 06410

Phone: 1-800-422-4492
Fax: 1-203-754-7847

This is only a brief summary of benefits and is subject to the terms, conditions, exclusions and limitations of group policy number G-29315-0. Complete terms and conditions are found in the group master policy and are summarized in your certificate.

Licensed Agent: David Generali. Connecticut State License #2322879
Agency Insurance License Numbers: AR: 245147, CA: 079170

Underwritten By:

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010


New York Life has received the highest possible financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit ratings agencies: A.M. Best (A++), Fitch (AAA), Moody's (Aaa), Standard and Poor's (AA+). *

*As of 9/12/19

New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.

To find out more about your member benefits today, click here.