Group 20 Year Term Life Insurance

Providing your premium is paid, you remain a CSEA member and the Group Policy remains in effect your guaranteed premium term will be for a term of 20 Years.

After your guaranteed term ends you can continue your coverage to age 90 using the non-guaranteed rates. There are other options available. Your administrator will instruct you prior to your term ending regarding your choices.

At the end of your 20 year guaranteed term, if you are a CSEA member and under age 65 you have the option of:

• Applying for another 20 Year Level Term at your then current age. Full medical underwriting is required.
• Using the CSEA Group TermPlus Life’s Exchange Provision which will allow you to exchange a maximum of 30% (up to a maximum of $300,000) of your Level Coverage for the Group TermPlus coverage (G-30380-0) without medical evidence.

CSEA members who are under age 65, U.S residents, actively employed and working at least 20 hours per week (excluding Retired Members) can apply for coverage. Evidence of Insurability is required.

Retired CSEA members are still eligible for coverage provided they are under the age of 65, and remain a Retired CSEA member. Evidence of Insurability is required.

You must not be on active duty with the military.

Many families are looking for long-term financial security they can depend on. This plan allows members and their spouses to lock in member exclusive rates and benefit amounts for 20 years. This makes it easy to fit within your busy lifestyle, as well as budget from year to year with the guarantee of no rate increases.

If you’re under age 60, QuickDecision^SM underwriting can help you get a decision faster – often within 30 minutes – and typically with no medical exam. We streamline the underwriting process by using your answers to online health questions and secure data sources such as prescription, motor vehicle, and medical claims records.

QuickDecision^SM is not available to residents of MT, UT, and Puerto Rico. MT and UT residents can still apply online and will be contacted for required information.

If you receive your certificate of coverage and you decide this Life Insurance isn’t for you, just let us know within the first 30 days, and provided no claims have been made, we’ll refund your premiums and invalidate your coverage, no obligation and no questions asked.

Members are eligible for a minimum coverage amount of $100,000 and can increase in increments of $10,000 up to a maximum of the lesser of $1,000,000 or 10 times your yearly salary.

The aggregate amount of coverage for all combined CSEA plans is $1 million for the member and policy regulated amounts for their spouse.

Yes! You can apply to have your spouse covered for the same coverage, but it cannot exceed you, the member’s, coverage. They too can start at $100,000 and add on increments of $10,000 up to a maximum amount of the lesser of $1,000,000.

As a CSEA member, you’ll never have to worry about paying your premiums on time. That’s because your premiums are paid through the convenience of payroll deduction*. If you are retired, your premiums will be deducted from CalPERS.

*Payroll deduction is only available for SEIU, CSUEU, ACSS and Retirees.

After your application is approved, coverage will start the first day of the month following the first payment, if you are performing the normal activities on that date. If not, coverage starts the day you return to work.

Example: If your application is approved on May 5, and your first premium is deducted from your June 1 pay warrant, then coverage will start on June 1 if you are at work on that date.

When you truly retire, you can continue your life insurance if; you receive monthly California Public Employees Retirement System (CalPERS) benefits from which premiums may be deducted; you continue your CSEA membership; and you send in an application requesting benefits to be continued into retirement before your retirement date and continue premium payments thereafter.

Yes. You may be eligible to apply for up to a million dollars of life insurance coverage. CSEA offers additional Group TermPLUS Life plans. Please note that the combined amounts of all Group TermPLUS Life coverage and all 10-Year Level Term Life coverage in effect for the member cannot exceed $1,000,000. Call us at 1-800-296-2732 if you are interested in applying for in additional insurance.

*Payroll deduction is only available for SEIU, CSUEU, ACSS, and Retirees (through CalPERS). All other groups leverage auto-renewal through automatic bank deduction or credit card.

Beneficiary Designation

You can name any beneficiary you wish for member coverage. You may change this beneficiary at any time, by written request. Your beneficiary is the person(s) last designated by you in writing, and recorded by or on behalf of New York Life Insurance Company. You are the automatic beneficiary for dependent insurance, as described in the Certificate of Insurance. If you wish to name another beneficiary for dependent spouse or child insurance, contact the administrator at 1-800-296-2732 for the applicable form.

Life Coverage Exclusions

In the case of death due to suicide, an attempt at suicide or intentionally injuring oneself within 12 months of coverage, the benefit will be limited to the return of premiums paid.

A conversion right is available if insurance ends for any reason except non-payment of premiums or you are requesting to end insurance. However, if insurance ends because the policy terminates or changes for the group of insureds to which you belong, a conversion right is only available if you have been continuously insured under the policy for at least five years. Consult your Certificate of Insurance for complete details.  

Endorsed by: California State Employees Association

CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses.

California State Employees Association
Administered by A.G.I.A., Inc.
PO Box 9997 Phoenix, AZ 85068-0997

A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicile is California.

Joseph Guerrero CA Insurance License #0B54298. Joseph Guerrero AR Insurance License #766720.

P.O. Box 26860

Phoenix, AZ 85068

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Joseph Guerrero California Agent Insurance license number is 0B54298. Joseph Guerrero Arkansas Agent Insurance license number is 766720.