Life Insurance Rate Quote

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Your Rates

Group 10-Year Level Term Life
  Annual Rate Rate over 10-year period
Group Term Life
Group 10-Year Level Term Life Preferred
Group 10-Year Level Term Life Select
Group 10-Year Level Term Life Standard

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The term life premium contributions shown reflect the current rates (as of January 1, 2010) and benefit structure. The cost of term life insurance for individual and spouse is based upon the individual's age, amount of insurance requested usage of tobacco/nicotine products, health status and attained age on the date coverage is issued. Premiums increase on the premium due date coinciding with or next following the date the individual enters a new age bracket. Term Life premium contributions may also be changed by New York Life Insurance Company on any premium due date, but not more than once in any 12-month period, and on any date on which benefits are changed. However, your term life rates may change only if they are changed for all others in the same class of insured's under this group policy. For example, a class of insured's is a group of people all with the same issue age and tobacco/nicotine usage. Premium contributions vary with the amount of benefit chosen. Term Life benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the Trustee.

The cost of this life insurance is based upon the member and spouse's gender, amount of insurance requested usage of tobacco/nicotine products, health status and attained age on the date coverage is issued. For the Level Term Life plans, only non-smokers meeting the highest underwriting standards will qualify for "Preferred" rates. Other non-smokers may qualify for higher "Select" or "standard" rates. (Note: Smokers may only qualify for "Standard" rates.) Upon approval of your application, you will be notified of the rate classification for each approved person.