Group TermPLUS Life Insurance

It’s important to take care of your family’s day-to-day needs now. But what about the “big picture” – their future needs? What if something happened to you … would there be enough money to replace your income and pay for final expenses, house payments, day-to-day living costs, college expenses for your children, etc.? Right now, you can help to give your family the “big picture” protection it needs by applying for the Endorsed CSEA Group TermPLUS Life. Coverage of up to $500,000 is available, which can make it easy to start a life insurance plan or supplement one you already have.

The Group TermPLUS Life coverage is available for CSEA members. Members under the age of 65 and working at least 20 hours per week qualify for the minimum amount of coverage based on age and monthly salary. However, you are eligible to apply for up to $500,000 of total life insurance coverage regardless of your income – based on your needs – just fill out the application.

If you apply within seven months of employment, you are guaranteed the minimum coverage amount listed in the rate chart, based on your salary, regardless of your health. However, CSEA encourages their members to complete the application so they can be eligible for the most coverage possible.

Also, New York Life Insurance is now allowing the members of CSEA to combine all of their life coverage with the new Group 10-Year Level Term Life Plan and the Graded Benefit Term Life Pan to be eligible for a total coverage amount of $1,000,000!

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

Yes. Coverage for you is only half the story. Eligible dependents include your spouse who can apply for up to half of your coverage amount. Spouse means your lawful spouse, or your domestic partner under a legally registered and valid domestic partnership. Also your children; stepchildren and/or adopted children to age 26 can also get coverage, unless they are eligible for CSEA membership or Association Partnership Program membership or in full-time military service. If your spouse is a CSEA member or a CSEA Association Partnership Program Member or Association Member or State Employee and eligible for CSEA membership, he or she must apply for a separate New York Life Insurance Plan. If both you and your spouse are CSEA members or CSEA Association Partnership Program Members and are covered under separate New York Life Insurance Plans, only one of you may insure the eligible children.

If you are applying within the first seven months of employment, you are guaranteed your minimum amount of coverage based on your age and gross monthly income. You can find your guaranteed minimum coverage amount in the rate tables provided. If you are under the age of 65, your spouse is guaranteed for up to $20,000.00 of coverage and your children are guaranteed for up to $10,000.00 of coverage. If you are age 65 or over, your spouse and children are guaranteed $5,000 of coverage.

If you are applying after seven months of employment, or when applying for coverage in excess of your pre-approved amounts, you must complete the application whether it be paper or the online portal.

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.

Your coverage will end upon Policy termination age as long as you continue to pay premiums when due, remain a CSEA member, and the Policy remains enforced. In addition, dependent coverage will terminate when the dependent spouse or child ceases to be an eligible dependent

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.

AD&D Coverage Exclusions (Member-Only Coverage)

The accidental death and dismemberment benefit does not cover loss resulting from: intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane; Occurs during, is due to or related to the insured member’s duty in the military, naval or air services of any country; participation in or incarceration resulting from any of the following, other than as a victim, commission of a felony, illegal occupation or activity, an insurrection or terrorist activity; injury sustained while riding in or on, fall from or decent from any aircraft while in flight unless the insured is traveling solely as a passenger; sickness or disease or medical or surgical treatment of sickness or disease, except infections which occur as the result of an accidental bodily injury; or accidental ingestion of contaminated material, any medical, dental or surgical treatment unrelated to the accident, engagement in any of the following in a role other than as a victim: war, an act of war, or an armed conflict which involves the armed forces of one or more countries, or voluntary entry into the body of an intoxicant, excitant, hallucinogen or any narcotic or other drug or any gas, poison or poisonous substance.

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.