Guaranteed protection for your family from the unexpected

$25,000 Guaranteed Issue Term-to-70 Life Insurance rates

As a union member you are eligible for this valuable guaranteed issue term life insurance at rates not available to the general public.

The Guaranteed Issue Term-to-70 Insurance Plan offers rates in 5-year age bands. All premiums are based on each person's smoking status and age at the time of issuance and change when the person attains a new age bracket.

You are considered a non-smoker if you have not smoked cigarettes or cigars, or used a pipe, chewing tobacco, nicotine products or snuff during the 12 months before applying for insurance.

Need help?

Speak to a Union Plus Insurance Representative at 800-393-0864 (8 a.m. to 7 p.m. ET, weekdays).

You may also contact the Union Plus Member Advocate, an OPEIU Local 2 member, at 800-472-2005 (8:30 a.m. to 4:30 p.m. ET, weekdays).

Terms   

Suicide:    

If You or Your Dependent commit suicide, while sane or insane: 

1. during the first two years of coverage under The Policy, We will only pay the deceased person's Life Insurance Benefit in an amount equal to the premium paid for coverage to the date of death; or 

2. during the two years immediately following an increase in coverage under The Policy, We will only pay the deceased person's Life Insurance Benefit in an amount equal to the amount of Life Insurance in force prior to the increase, plus an amount equal to the premium paid for the increase to the date of death. 

The full Life Insurance Benefit amount for the deceased person is payable if he or she is covered under The Policy and commits suicide after the two year period.  The two year period includes the time coverage was in force under a Prior Policy. 

Termination: Coverage will terminate on the earliest to occur of: a) the date the Policy is cancelled; or b) the premium due date on or next following the date You cease to be an active member of the policyholder; or c) the premium due date on or next following the date You attain the Policy Age Limit shown in the Schedule; or d) the premium due date You fail to pay any required premium, subject to the Grace Period. Spouse/ domestic partner Coverage terminates on the earliest to occur: the date the Policy is canceled; or your coverage terminates; or the premium due date on or next following the date he or she is legally separated or divorced from you, attains age 70, or premiums are not paid. 

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1936 as actually issued. In the event of a discrepancy between this website 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. 

Gallagher Affinity Insurance Services, Inc. administers the insurance on behalf of Hartford Life and Accident Insurance Company. Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155

Amy Cybyske, Licensed in all applicable jurisdictions.

The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Life Form Series includes GBD-1000, GBD-1100, or state equivalent. 

GIT70072024