Group 10-Year Level Term Life Insurance

Group 10-Year Level Term Life Insurance  


Underwritten by: New York Life Insurance Company

Term coverage is the purest kind of life insurance, with no costly savings features. Here's term life insurance you can depend on, with premiums that are expected, but not guaranteed, to go up for a full 10 years and benefits that will not go down.



  • Available to Junior League Members and Their Spouses Under Age 65: With the AJLI Group 10-Year Term Life Insurance, you can help protect your family from the unnecessary financial burdens of you or your spouse's premature death.

  • Renewable Until Age 65: You can renew your 10-Year Term Life insurance coverage under this Policy until age 65, subject to all Termination of Coverage provisions.

  • High Amounts of Coverage: Request a coverage amount to meet your needs, from $100,000 up to $1,000,000 (in $1,000 units).

  • Specially Negotiated Group Rates: Compare the premiums for the AJLI Group 10-Year Term Life Insurance to similar term life policies on the market today. You'll probably be surprised at how much life insurance you can fit within your budget.

  • Take Advantage of Exclusively Priced Rates: First, the Policy features "Preferred" and "Standard" rates which most nonsmoking (including tobacco/nicotine) AJLI members may qualify for. In addition, you can benefit from volume discounts when you apply for higher amounts of insurance.

  • Send No Money Until You're Approved

  • Convenient Monthly Payment Option: A Preauthorized Check Payment Plan option offers a time-saving convenience.

  • Portable Coverage: The Policy offers portable coverage that can follow you throughout your career. Make all the career changes you want and still be able to maintain this valuable protection.

  • Living Benefit ("Accelerated Death Benefit"): Enables you to apply for a portion of your benefits if you qualify as being terminally ill, subject to certain policy restrictions and limitations (see FAQs for more information). These benefits are paid directly to you, and you may spend them any way you wish.


How to Apply

Download your Group 10-Year Term Life Insurance Application from the Forms section of this site and follow the instructions. Be sure to review the brochure for more information: features, costs, eligibility, renewability, limitations and exclusions. Remember, only eligible AJLI members and their spouses may apply.



To learn more about the rates of this program, see the Forms section.




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


SMRU# 1843838


Tell me more

Where Available This coverage is available only for residents of the United States (except AK, FL, LA, ME, MT, NC, OH, OR, TX, UT, VT, WA and territories) or Puerto Rico.
Notes AJLI members under age 65 who are at FULL-TIME WORK (see brochure) may request coverage for themselves and their lawful spouses or domestic partners under age 65. In order to become insured, satisfactory evidence of insurability must be provided, and the required premium must be paid when due.  
Type of Insurance  Group 10-Year Term Life Insurance 
Underwritten by  New York Life Insurance Company
Group Policy Number  G-30711-0
Volume Discounts $250k through $499k; $500k through $999k; $1 Million 
Risk Classes  Preferred, Select, Standard and Tobacco
Issue Ages  Through age 64 
Coverage Amounts  $100,000 to $1,000,000 in $1,000 increments 
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 - 5p CT
[email protected]
 Application Mailing Address
AJLI Group Insurance Program
P.O. Box 14464
Des Moines, IA 50306-8993


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

  • By whom is this policy underwritten?

    This policy is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-30711-0 on Policy Form GMR-FACE.


    New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the website, brochure or contact the plan administrator for current availability. New York Life's state of domicile is New York, and NAIC ID # is 66915.

  • 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.
  • Who is eligible for this insurance?

    Available exclusively to AJLI members under age 65, at FULL-TIME WORK (see brochure) and residing in the U.S.*, who may request coverage for themselves and their lawful spouses and domestic partners under age 65. In order to become insured, satisfactory evidence of insurability must be provided and the required premium must be paid.


    *see "Where Available" above for excluded states

  • How does the Accelerated Death Benefit work?

    The Accelerated Death Benefit option is available to a covered person under age 70 and to help terminally ill insureds during a difficult and often financially challenging time. Under this provision you may request a one time advance payment up to the lesser of 25% or $50,000 and a maximum up to 50 percent of your or your insured spouse’s or domestic partner current life insurance coverage. 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 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 New York Life with proof of terminal illness (life expectancy of 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.

  • How much insurance can I request?

    Members.$100,000 to $1,000,000 in 1,000 increments.

    Spouse.$100,000 to $1,000,000 in $1,000 increments, not to exceed 100% of member's coverage.
  • When does the coverage end?

    Coverage will end when the insured person reaches age 75 or earlier if: (a) premium contributions are not paid when due, (b) the group policy is terminated or modified by the Policyholder to end insurance for the group of insureds to which the member belongs, (c) AJLI membership ceases, (d) if the insured requests to terminate insurance , or (e) an insured spouse’s coverage will end he/she ceases to be the lawful, married spouse of an insured member.
  • Will I meet with a salesperson?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your insurance directly through the mail without meeting with a salesperson. You can, of course, talk to a licensed representative if you’d like. Please call the Program Administrator at 1-800-882-5547.
  • When is the coverage effective?

    Insurance will take effect on first day of the policy month on or after the day your application is approved by New York Life Insurance Company provided the initial contribution is paid within 31 days after the date you are billed (send no money now) provide satisfactory evidence of insurability if required, and you are at FULL-TIME WORK (see brochure) and your spouse, if proposed for coverage is actively performing the normal activities of a person in good health of like age on the date of approval.

    If your spouse is not performing his/her normal daily activities as required, said spouse will not become insured until the day he/she is performing such activities and the person is still eligible. You must be an insured member for spouse coverage to take effect.
  • Are there any discounts available?

    Pay Less if You Are a Qualified Nonsmoker (not using any tobacco or nicotine product): Nonsmokers meeting the highest underwriting standards may qualify for the "Preferred" (the Policy's best) rates. Other nonsmokers may qualify for "Select" or "Standard" rates.
  • Are there any exclusions?

    After coverage is in force for two years, benefits are payable for death from any cause, anywhere in the world. If a covered person commits suicide within two years from the date the insurance takes effect whether sane or insane, the only benefit payable will be a refund of premiums paid.
  • 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 Policy. 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 Association of Junior Leagues International incurs costs in connection with this coverage. To provide and maintain this valuable membership benefit, it is reimbursed for these costs.

Bates # 5032593