Group Term Life Insurance

Group Term Life Insurance  


Choose benefits in $25,000 increments up to $500,000. Benefits remain level and premiums increase as you age. No war clause or exclusions for acts of terrorism. Flying personnel are covered 100%.


$25,000 to $500,000 protection at MEMBER ONLY rates


Flexibility to suit your needs... now and in the future


Coverage is sold in units of $25,000. You may choose however many units you like up to $500,000 coverage.


This enables you to have just the right amount of coverage to suit your present needs. Later you may apply for more units or drop units if your responsibilities change or if inflation causes you to need further protection.


Underwritten by New York Life Insurance Company, under Group Policy No. G-30290-0, on Policy Form G-30290-0 GMR-FACE.



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Group Term life insurance...a wise choice recommended by many financial experts

Time and time again, leading financial experts recommend term life insurance because it is most likely the most economical form of life insurance you can buy.


Cover your whole family at MEMBER ONLY rates

AFA offers you a Family Plan at member only rates. Under the Family Plan, your spouse is insured for 50% of the benefit amount you choose. Your dependent unmarried children—no matter how many—are insured for $5,000 each as long as they are between the ages of 6 months and 25 years if unmarried and a full-time student (age 19 if unmarried and supported by you). Even children under 6 months of age get $250 coverage once they are 15 days old and discharged from the hospital.


No War Clause

Here is a valuable feature you won’t find in many other life insurance policies! In the interest of Veterans and their dependents, this AFA program has no limitation or restriction on the payment of full benefits should the insured be killed in a war or act of war.


Coverage guaranteed renewable to age 85

Once issued, AFA’s Term Life Insurance is renewable to age 85. However, at 65 the amount of coverage automatically reduces to either 50% of the amount then in force, or $50,000, whichever is less.

Your insurance will remain in force until you reach age 85, for you and your insured family members as long as they remain eligible provided: (a) you remain a member of AFA (b) you continue to pay premium contributions when due; and (c) the group policy is not terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which you belong.


No further premiums due if you become disabled

If, prior to your attainment of age 60, you become totally disabled and the disability lasts for at least 6 months while your coverage is in force, you may apply for the Disability Waiver of Premium Benefit. Upon approval, your coverage will remain in force without further payment of premium on your part, for as long as you continue to be totally disabled and are otherwise eligible for coverage, to age 85 at the lowest level of coverage.


Policy exceptions and limitations

Benefits for suicide or death as a result of intentionally self-inflicted injuries (while sane or insane), will not be available until the amount of coverage has been in force for 24 months.


Convenient payment options

Premiums may be paid quarterly, semiannually or annually. Or you may prefer to pay monthly by government allotment, automatic debit from your checking account or automatic charge to your VISA or MasterCard. Many choose the latter ways so as to eliminate additional bills and the necessity of writing and mailing checks.


30-Day Free Look

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!


Effective Date

Insurance for you and your eligible dependents will become effective on the first of the month after your application is approved by New York Life Insurance Company provided the first premium contribution has been paid, satisfactory evidence of insurability has been submitted and you and your dependents are alive on that date. Coverage for any dependent who is confined at home, in a hospital or other medical institution, or is incapacitated so as to be unable to perform his or her normal activities on the date coverage would otherwise become effective, will not become effective until the date he or she is no longer so confined or incapacitated provided you are insured on that date and the dependent is still eligible for insurance. Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date as specified by New York Life Insurance Company.


Certificate of Insurance

This information is only a brief description of the principal provisions and features. The complete terms and conditions are set forth in the group policy issued by New York Life to the Air Force Association Life Insurance Policy. When you become insured, you will be sent a Certificate of Insurance summarizing your coverage.


Group Conversion Privilege

This insurance provides conversion privileges under certain circumstances of involuntary termination as described in the Certificate of Insurance.


Who is eligible to apply?

Both smokers and non-smokers are eligible to apply if you’re under age 65 and are a member of AFA in good standing.

Our group rates are level for 10-year terms to age 50 and 5-year terms thereafter, so you won’t pay more each year as with some policies. And your coverage also remains level until you reach age 65.

This coverage is not currently available to residents in all states. Contact the administrator for details.


Both smokers and non-smokers may apply

If you have not used tobacco products for at least 12 months, you qualify for our non-smoker discount.

If you already have this insurance and wish more, you may apply for additional units of coverage.


Important Notice

How New York Life Obtains Information and Underwrites Your Request for Group Term Life Insurance

In this notice, references to “you” and “your” include any person proposed for insurance. Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. (“MIB”). MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. If you apply for life or health insurance coverage or a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB and such information may then be furnished by MIB, upon request, to a member company.


Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying New York Life in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION.


MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other application for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.


New York Life may release this information to the Plan Administrator, other insurance companies to which you may apply for life and health insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing. However, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV). We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision.


New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a “need to know” basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.


If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB’s information office is: MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone 1-866-692-6901 (TTY 1-866-346-3642). Information for consumers about MIB may be obtained on its Web site at


For NM Residents: PROTECTED PERSONS1 have a right of access to certain CONFIDENTIAL ABUSE INFORMATION 2 we maintain in our files and they may choose to receive such information directly. You have the right to register as a PROTECTED PERSON by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address.


1PROTECTED PERSON means a victim of domestic abuse; who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured or prospective insured person.

2 CONFIDENTIAL ABUSE INFORMATION means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured family member, employer or associate of a victim of domestic abuse or a person with whom the applicant or insured is known to have a direct, close, personal, family or abuse-related relationship.


New York Life Insurance Company

8/12 ed.


Underwritten by New York Life Insurance Company, under Group Policy No. G-30290-0, on Policy Form G-30290-0 GMR-FACE.


Bates 1717222

Contact Us

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

Administered by:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 M-F 7:30am - 7:00pm CT


Underwritten by:

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

Under Group Policy No. G-30290-0,
on Policy Form G-30290-0 GMR-FACE

Rating Agencies Disclaimer


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



  • How do I apply?

    To apply, download an application by clicking on the Forms tab.
  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled through the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you’d like. Please click the Contacts section for the toll-free number.
  • What if I have second thoughts after I apply?

    When you become insured, you will be sent a Certificate of Insurance summarizing your 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!
  • How much 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 lifestyle.
  • Are there any exclusions?

    Benefits are paid for death from any cause, at anytime, anywhere in the world except suicide within the first two years of coverage, whether sane or insane -- in which case, the benefits will be reduced to a refund of premiums paid. 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. (There are exclusions for the optional AD&D benefit, as described in the brochure attachment. )
  • 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 contribution has been paid within 31 days after the date you are billed and any person to be insured is actively 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

  • When does coverage end?

    Insurance for you can remain in force until: (a) premium contributions are not paid when due, (b) CSEA membership ends, (c) the group plan is terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which you belong, and (d) you request to terminate insurance. In addition, dependent coverage will terminate when your coverage terminates, or when the eligibility requirements are no longer being met. Upon your death, coverage for your insured dependents may continue as described in the Certificate of Insurance. Please note your AD&D coverage will end if you begin full-time active duty in the armed forces.

    If you’re an Active Member, your coverage will end when you are no longer ACTIVELY-AT-WORK, as defined. However, if your insurance ends due to your retirement, you may elect to continue your life insurance under one of the available options. (AD&D insurance may not be continued after you retire.)

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.