Graded Benefit Term Life Insurance Plan

All CSEA Affiliate members under age 65 and working at least 20 hours per week are guaranteed approval for up to $50,000 coverage. No medical exam or health questions are required. Your spouse under age 65 is also guaranteed approval as long as you apply. Spouse’s coverage amount cannot exceed member’s amount.

AN ACCIDENTAL DEATH BENEFIT PAYOUT FOR THE FIRST TWO CERTIFICATE YEARS.

Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. After two years, full benefits are payable for any covered loss.

As a CSEA Affiliate member, you’ll pay your premiums through the convenience of automatic payroll deduction. If you retire, your premiums will be deducted from CalPERS.

If you change your mind, you can return your Certificate of Insurance within 30 days, without claim, and get a full refund of any premium paid – no obligation, no questions asked.

You can’t be singled out for a rate increase due to changes in your health. Your rates will change when you enter a new five-year age band (e.g., 35-39, 40-44, 45-49, etc.). New York Life can only increase premiums on a class-wide basis. For example, a class is a group of people with the same age or gender.

Yes. This coverage is renewable until you reach age 80. The benefit amount reduces by 50% at age 70. Premiums do not reduce.

You may select any person, persons, trust or other legal entity as your beneficiary. You may change your 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. If, at the time of your death, there are no surviving beneficiaries, benefits will be paid to the executor or administrator of your estate, or at the option of New York Life Insurance Company, to the surviving relatives in the following order of survival: spouse; children equally; parents equally; or brothers and sisters equally. You are the automatic beneficiary for dependent insurance, as described in the Certificate of Insurance.

Insurance will take effect on the date your application is approved by New York Life Insurance Company, provided the initial contribution has been paid.

Insurance will end on the earliest of:

• • The last day of the insurance period during which you are no longer a member of the association
• • The last day of the insurance period during which you reach age 80
• • The last day of the 60-day grace period that follows the end of the insurance period for which the last contribution has been paid
• • The last day of the insurance period during which your retirement allowance from a California Public Employees Retirement System ceases or becomes insufficient for contribution deductions
• • For an insured spouse, the last day of the insurance period during which such insured spouse ceases to be your lawful, married spouse or domestic partner
• • The last day of the insurance period following receipt of your request to end the insurance
• • The day before the day the policy ends or is changed to end insurance for the group of insureds to which you belong

There is a limited benefit: Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from the first day of coverage.

The following deaths are excluded for the Accidental Death Benefit:

Disease/Infirmity – A death that is due to or related to: (a) disease or bodily infirmity of mind or body; or (b) medical or surgical treatment of such disease or bodily infirmity.

Drugs – A death that: (a) occurs during; (b) is due to; or (c) is related to the covered person’s use of drugs, narcotics, barbiturates or hallucinogenic agents, unless such use is as prescribed by a doctor or accidentally administered.

Self-Inflicted Injury/Suicide – A death that (a) is due to or is related to (1) suicide, (2) an attempt at suicide, or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring oneself, while the covered person is sane or insane.

Important Information from New York Life Insurance Company

New York Life Insurance Company reserves the right to request medical information to determine applicant’s medical eligibility for coverage. Based on the age of the person proposed for insurance and the amount of coverage requested, a physical examination, EKG, blood test or other information may be required. Not all applicants will have to supply additional information. However, if it is required, New York Life will arrange for an independent professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free-of-charge.

If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.

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.

AGIA Insurance Services, Inc.
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.