NASW Insurance Plans

OverviewBenefitsTerms

It’s important for you to take care of your family’s day-to-day needs – both now and should anything ever happen to you…

Would there be enough money to help pay for your final expenses, their house and utility payments, their day-to-day living costs, college expenses for your children…?

Chances are, if you’re like those parents recently surveyed, with children under 18, 4 in 10 say they would immediately have trouble meeting everyday expenses if a prirmary wage-earner died today.¹

Right now, you can help secure for your family everything they’ll need if you were ever taken “out of the picture.” Simply apply now for what you need. Each $1,000 of protection is priced at a very affordable group rate. If you’re under 30, it’s a little over .09 cents a month. At age 40, it’s .16 cents a month. So, please refer to the chart below and see how inexpensive it is for someone your age …. and then, tell us how many $1,000 units you need to help protect your family.

Your spouse or domestic partner may also apply for the same amount of protection as you. If you are currently covered, he or she may apply for coverage on their own. He or she will also be able to keep their coverage in the event you cancel your Term Life policy or you pass away.

Plus you pay an affordable, group rate thanks to the group purchasing power of NASW:

Term Life Member Monthly Rates per $1,000 Unit

Rates shown above are rounded to the nearest penny. Please note that your Billing Notice will reflect the exact premium. Rates and/or benefits may be changed on a class basis. Rates are based on your attained age and increase as you enter each new age category. For your convenience, you will be billed on a quarterly basis.

Note: Domestic partner coverage may not be available in all states. You must execute a domestic partner affidavit for your domestic partner to qualify for coverage. Please call (866) 514-8974 to request an affidavit.

For more information, call toll-free (866) 514-8974.
Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)”

¹http://www.limra.com/PDFs/NewsCenter/Materials/07USFAQ.pdf, .LIMRA International, Facts bout Life 2010,

*Once the insured attains the age of 71, all benefits reduce by 20% each year until the insured attains age 74. From ages 74-99 benefits payable are 20% of the original benefit amount purchased. Please refer to your Certificate of Insurance for further details.

Up to $500,000.00 in Life Insurance Coverage to Members

As an NASW member under age 70, and a resident of the U.S., its territories and protectorates, you can secure this valuable term life coverage in $1,000* units up to a maximum of $500,000.00*. Although you're eligible to apply for coverage as long as you are under age 70, please note that reduced coverage is available from ages 66-69.

Your Spouse/Domestic Partner Qualifies

Your spouse or domestic partner, under the the age of 70 and a resident of the U.S., its territories and protectorates, may also apply for the same amount of protection as you. If you are currently covered, he or she may apply for coverage on their own. He or she will also be able to keep their coverage in the event you cancel your Term Life policy or you pass away.

Pays “Living Benefits” if You’re Terminally Ill

With the Accelerated “Living” Benefit**, you or your spouse/domestic partner can collect up to 50% of your benefits (or $100,000.00, whichever is less) if you’re under age 60 and diagnosed with cancer or any other Terminal Illness and your doctor says you have less than a year to live. Your beneficiary will collect the remainder of your benefits after your death. You must be covered with at least $20,000 of life insurance to be eligible for the "living benefit."

Pay No Premiums if You’re Disabled

Your protection will continue in force (with no cost to you) if an Illness or Injury makes you Totally Disabled for at least nine consecutive months and your total disability starts before you’re age 60. Your premium will be taken care of for as long as you’re disabled.

Additional Benefits If you sustain an Injury which results in loss of life within 90 days of the accident, the policy pays the person's Principal Sum. If the result in loss of life is due to a felonious assault, the policy pays an additional benefit. These benefits will be paid:
1.) after We receive Proof of Loss, in accordance with the Proof of Loss provision; and
2.) according to the General Provisions of The Policy.
The Felonious Assault Benefit will pay the amount shown in the Schedule of Insurance for this benefit.

Choose Your Beneficiary

Please designate your beneficiary on the application. You may designate anyone you would like. If you do not designate a beneficiary, your benefits will be paid to your spouse, your children, your parents, your siblings, or the executors or administrators of your estate, in that order. If you have selected insurance for your spouse / domestic partner and/or your children, you will automatically be designated as the beneficiary.

Easy to Apply Today

Simply download, complete, sign and return the application for approval.

30-day FREE Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate, without claim, within 30 days. If you’ve paid any premium, it will be promptly refunded. No questions asked.

** Receipt of Accelerated benefits may be taxable. Please consult your tax advisor.

Questions?

Call toll-free (866) 514-8974

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

When Coverage Begins: Your coverage will become effective on the first day of the month following the Administrator’s receipt of your application, approval and first premium payment. If on this date you are not Actively-at-Work or unable to carry on all the nomal and customary activities of a person of like age and gender, in good health, if not employed, you will not be covered until you have been Actively-at-Work or been able to carry on all normal and customary activities for 90 consecutive days.

When Coverage Ends: As long as you pay your premiums when due, and the Master Policy remains in force, it’s possible to keep this coverage until you reach age 100, although benefit levels are reduced beginning at age 66. Your dependent's coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.

Exclusions: Suicide is not covered during the first two years of coverage. Benefits paid for death caused by suicide while sane or insane (in Missouri, while sane) within the first two years of the effective date of insurance are limited to a refund of your premiums paid.

The Policy does not cover any loss caused or contributed to by:
1) intentionally self-inflicted Injury;
2) suicide or attempted suicide, whether sane or insane;
3) war or act of war, whether declared or not;
4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority, except Reserve National Guard Service;
We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces;
5) Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
6) Injury sustained while On any aircraft:
a) as a pilot, crewmember or student pilot;
b) as a flight instructor or examiner;>br> c) if it is owned, operated or leased by or on behalf of the Policyholder, or any Employer or organization whose eligible persons are covered under The Policy;
d) being used for tests, experimental purposes, stunt flying, racing or endurance tests;
7) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician;
8) Injury sustained while riding or driving, in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
9) Injury sustained while committing or attempting to commit a felony; or
10) Injury sustained while Intoxicated.
Intoxicated means:
1) the blood alcohol content;
2) the results of other means of testing blood alcohol level; or
3) the results of other means of testing other substances;
that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.

Definitions:
Spouse means your spouse who is under age 70; and is not legally separated or divorced from you. Spouse will include your domestic partner, provided you have executed a domestic partner affidavit satisfactory to us, establishing that you and your partner are domestic partners for purposes of the policy.
Totally disabled means you are wholly or continuously prevented from performing any work or occupation for wage or profit for which you are reasonably qualified or trained; or if not employed, engaging in the normal activities of a person like age and gender in good health; as a result of injury or sickness.

Your Conversion Right: If Life Insurance coverage under the policy ends for any reason, except non payment of premium, you and your dependents may have the right to convert that coverage to an individual coversion policy without providing evidence of insurability.

Felonious Assault means a violent or criminal act directed at You during the course of:
1) a robbery, kidnapping or criminal assault; or
2) an attempt at any of the above; which constitutes a felony under the law.
Accidental Death and Dismemberment Benefit (Member only):
If You sustain an Injury which results in any of the following Losses within 90 days of the date of accident, We will pay the injured person’s amount of Principal Sum, or a portion of such Principal Sum, as shown opposite the Loss after We receive Proof of Loss in accordance with the Proof of Loss provision.
Injury means bodily injury resulting:
1) directly from an accident; and
2) independently of all other causes; which occurs while You or Your Dependents are covered under The Policy.
Loss means with regard to:
1) hands and feet, actual severance through or above wrist or ankle joints;
2) sight, speech and hearing, entire and irrecoverable loss thereof; or
3) movement, complete and irreversible paralysis of such limbs.

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy AGL-1828 and AGL-1829 and as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/test requested by the company will be conducted at your convenience and at no expense to you.

NOTICE OF INSURANCE INFORMATION PRACTICES

AGIA is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. NASW/ASI is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Additionally, compensation is paid to or retained by the Group Policyholder (NASW/ASI) directly or indirectly for services associated with this insurance program.

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

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Administered by:
Association Group Insurance Administrators
P.O. Box 26450, Phoenix, AZ. 85068

This Term Life Insurance Protection, offered through NASW Assurance Services, is endorsed by the National Association of Social Workers.

Policy Form # GBD-1000 A (AGL-1828) & GBD-1000 A (AGL-1829)

Group Term Life

Senior Term Life

Providing for your family's financial security with expanded Term Life

**Important Life Coverage Update for Members Age 66 to 71 effective 10/01/09

NASW Assurance Services has extended your full Group Term Life Insurance Benefits from age 66 to age 71.
Coverage amounts previously reduced due to age reductions, will automatically be increased to your original benefit amount and the premium increased accordingly. If you choose not to accept the increase in coverage, you may call Customer Service at 1-866-514-8974 to readjust your coverage amount.

NASW continues to work hard for you!