Group 10-Year Level Term Life Insurance

Group 10-Year Level Term Life Insurance  


Underwritten by New York Life Insurance Company

At a Glance

Life Insurance you and your family can count on: One of the ways to provide for your family if you or your spouse were to die prematurely is with term life insurance. No costly savings features, no high administrative expenses … just pure life insurance. The challenge is to find a policy that also includes the backing and stability of a highly rated insurance company in which you can be confident.


With Group 10–Year Level Term Life Insurance, members may be able to lock in the financial security provided by term life insurance—at a price that’s GUARANTEED to remain the same for a full 10 years, and with a high benefit level that’s GUARANTEED to remain level, while you’re covered under the policy.


Where Available

The U.S. (except OR, SD and territories) and Puerto Rico.


Want More Information?

View the Forms section and download a no–obligation application and brochure containing detailed information and provisions, including costs, exclusions, limitations, and terms of coverage


These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

bates: 5032639

Tell me more


Where available United States (except OR, SD and territories) and Puerto Rico.
Notes Members under age 65, their lawful spouse under age 65, and unmarried dependent children ages 14 days - 22 years (24 if a full-time student).



Type of Insurance Group 10-Year Level Term Life Insurance
Underwritten by New York Life Insurance Company
Group Policy Number G-29194-0
Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

4050 114th Street
Urbandale, Iowa 50322
 M-F 7:30a - 6p CT
[email protected]


Answers about the program, including eligibility, options, customer service and more.

  • Who is the underwriter?

    This policy is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, under Group Policy No. G–29194–0, on Policy Form G–29194–0/GMR–FACE. 

    About New York Life Insurance Company 

    For information on ratings for AMBA :
    Rating Agencies Disclaimer

  • How much life insurance should I consider?

    Some insurance experts suggest that you purchase life insurance equal to five to nine times your current income. In addition, you should consider how much your dependents will need to maintain their lifestyles.

  • Who is eligible for this insurance?

    APHA members under age 65 may request coverage for themselves, their lawful spouses under age 65, and all unmarried dependent children ages 14 days through 22 years (24 if a full–time student). In order to become insured, satisfactory evidence of insurability must be provided and the required premium must be paid. 

    A dependent who is also an APHA member is eligible for either member or dependent coverage, but not both. If both member and spouse are covered as members, neither may insure the other as spouse, and only one may insure any eligible children. 

    This coverage is available only for residents of the U.S. (except OR, SD and territories) and Puerto Rico.


  • How much insurance can I apply for?

    Members—$100,000.00 to $1,000,000.00 in $10,000.00 multiples. 
    Spouse—$100,000.00 to $1,000,000.00 in $10,000.00 multiples, not to exceed 100% of member’s coverage.
    Child(ren)—$10,000.00 per child 

    Note:  The total amount of coverage an individual may request under all group life insurance plans underwritten by New York Life Insurance Company may not exceed $2,000,000.00. 

    In addition, the total amount of coverage for a member insured by more than one group policy—or more than one organization participating in such a group policy—issued by New York Life Insurance Company to the Trustee of the Engineering Associations Insurance Trust (of which APHA is a participant) may not exceed the maximum benefit option for any insured person.


  • Are any discounts available?

    Two discounts may be available:

    • Volume Discount If you or your spouse becomes insured for coverage amounts of $250,000.00 through $490,000.00, you’ll receive a volume discount; and for amounts of $500,000.00 through $1,000,000.00 of coverage, you’ll receive an even bigger discount.
    • You May Pay Less If You’re a Qualified Non–Smoker Non–smokers meeting the highest underwriting standards may qualify for the "Preferred" (the Plan’s best) rates. Other non–smokers may qualify for "Select" (higher, but still very competitive) or "Standard" (the Plan’s highest) rates.
  • Will I meet with a salesperson?

    Issuance of this coverage is handled over the Internet and by mail. You can review the materials in the privacy of your home and purchase your coverage directly through the mail without meeting with a salesperson. You can, of course, talk to a licensed representative if you’d like. Please view the Contact Us section for the Program Administrator’s toll–free number.

  • When is the coverage effective?

    Insurance will take effect on the date your application is approved by New York Life Insurance Company, provided the initial premium contribution is paid within 31 days after the date you are billed (send no money now) and any person to be insured is performing the normal activities of a person in good health of like age on the date of approval. 

    Any person who is not performing his/her normal daily activities as required will not become insured until the day he/she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible. 

    Note: Residents of NC: Any reference to “performing the normal activities of a person in good health of like age” are replaced by the requirement that the health status of any proposed insured person remains the same as stated in your application.

  • When does the coverage end?

    Coverage will end when the insured person reaches age 75 (23 for children, or 25 for children who are full–time students), or earlier if: (a) premium contributions are not paid when due; (b) the group plan is terminated or modified by the Policyholder to end insurance for the group of insureds to which you belong or; (c) the insured requests to terminate insurance. In addition, dependent child coverage will terminate when the child ceases to be an eligible dependent. Upon your death, coverage for your insured dependents may continue as described in the Certificate of Insurance.

  • Are there any exclusions?

    No. Benefits are paid for death from any cause, at any time, anywhere in the world. The validity of any amount of your life insurance which has been in force for two years during an insured’s lifetime will not be contested except for insurance eligibility provisions and non–payment of premium contributions.

  • How does the Accelerated Death Benefit work?

    The "Accelerated Death Benefit" option is available to help terminally ill insureds during a difficult, and often financially challenging time. Under this provision you may request one advance payment equal to 50% of your (or an insured dependent’s) in–force life insurance to be paid while the terminally ill person is still alive. 

    The request must be made at least 12 months prior to the insured person’s scheduled coverage termination age, and the amount of insurance payable after the insured’s death will be reduced by this payment. (Premium contributions will not be reduced.) 

    This money can be used to help cover high prescription drug costs … medical bills … outstanding debts … to help pay for experimental treatments … the cost of modifications to your home … or for a family vacation – the choice is yours. 

    To qualify, a terminally ill insured must provide the New York Life Insurance Company with proof of terminal illness and anticipated life expectancy (12 months or less), as well as any other necessary medical information requested. For additional details and limitations, please see the Certificate of Insurance. 

    Please note that receipt of Accelerated Death Benefits may affect your eligibility for public assistance programs and may be taxable. Prior to applying to receive such benefits, you should consult with the appropriate social services agency and seek the advice of a qualified tax advisor.

  • What if I have second thoughts after I apply?

    When you become insured, you will be sent a Certificate of Insurance summarizing you benefits under the Plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will be sent a full refund – no questions asked!


    The information on this site describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents will in all respect control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents.


    APHA may be compensated with this sponsored group insurance to provide and maintain this valuable membership benefit.