Group Term Life Plan

Group Term Life Plan  


Group Term Life Insurance

Underwritten by: New York Life Insurance Company

Life insurance is one of the cornerstones of financial planning, yet many do not have enough coverage to help their family remain financially secure should the unthinkable happen. It’s not something that’s easy to think about, but when you consider all the things that life insurance proceeds need to fund, and how long it needs to last, is your family adequately covered?


That’s where coverage such as the Group Term Life Insurance can help. Plus, you can add it to your existing life insurance at specially negotiated group rates.


Benefit Features:

  • Choice of benefits
  • Specially negotiated group rates
  • Accelerated Benefits Provision allows you to request a portion of your benefit if a terminal illness is diagnosed
  • Choice of beneficiary
  • Spouse/Domestic Partner and children eligible for coverage


Review your cost of living regularly to be sure your life insurance is adequate. With Group Term Life Insurance, it’s easy to update your coverage.



How to Apply

QuickDecisionSM is a secure and fast way to apply for Group Term Life coverage online if you are under age 50. Find out as soon as today if you’re approved for amounts up to $1,000,000. Need more? Save time by applying online for up to $3 million, subject to full medical underwriting and we’ll follow up quickly with required information.



If you prefer to submit a paper application instead of applying online please Download your Group Term Life Insurance Application from the Forms section of this site and follow the instructions. Be sure to review the policy Details.



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

Tell me more

Where Available All States and District of Columbia
Notes State Bar of California licensed attorneys under age 70 may request coverage for themselves and their lawful spouses or domestic partners. 
Policy Summary
Type of Insurance  Annually Renewable Term Life Insurance. Premiums increase as the insured moves into the next five-year age band. 
Underwritten by  New York Life Insurance Company
Group Policy Number  G-30921-0
Risk Classes  Preferred, Standard, and Smoker
Coverage Amounts $100,000 to $1,000,000 in $25,000 increments

Complete details, including features, costs, eligibility, renewability, limitations and exclusions are in the brochure and the certificate of insurance you receive upon approval.

This policy is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Forms GMR-FACE/G-30921-0.

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 policies 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.

SMRU# 1797220


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


Insurance Application & Brochure (CA Only)

Insurance Application & Brochure (All Other States)

Beneficiary Change Form

  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled through the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you’d like. Please click the Contacts section for the toll-free number.
  • 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!
  • 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.
  • Are there any exclusions?

    Benefits are paid for death from any cause, at anytime, anywhere in the world except suicide within the first two years of coverage, whether sane or insane -- in which case, the benefits will be reduced to a refund of premiums paid. The validity of any amount of your life insurance which has been in force for two years during an insured’s lifetime will not be contested except for insurance eligibility provisions and non-payment of premium contributions. (There are exclusions for the optional AD&D benefit, as described in the brochure attachment. )
  • When is the coverage effective?

    Insurance will take effect on the date your application is approved by New York Life Insurance Company provided the initial contribution has been paid within 31 days after the date you are billed and any person to be insured is actively performing the normal activities of a person in good health of like age NC residents (a person of like age)  on the date of approval.

    Any person who is not performing his/her normal daily activities as required will not become insured until the day he/she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible

  • When does coverage end?

    Insurance for you can remain in force until: (a) premium contributions are not paid when due, (b) you reach termination age (c) CalBar membership ends, (d) the group policy is terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which you belong, and (e) you request to terminate insurance. In addition, dependent coverage will terminate when your coverage terminates, or when the eligibility requirements are no longer being met. Upon your death, coverage for your insured dependents may continue as described in the Certificate of Insurance. 
  • Renewals and Limitations

    Once your application is approved by New York Life Insurance, you will have a 31-day grace period for your payment of renewal premium contribution. When you want to submit a claim, call or write the Administrator for claim forms.


    The total amount of coverage an individual may have under all group life insurance policies underwritten by New York Life Insurance Company may not exceed $3,000,000. In addition, the total amount of coverage an individual may have under all policies issued by New York Life Insurance Company to The State Bar of California may not exceed the maximum benefit option for any insured person.

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
The State Bar of California Insurance Program
PO Box 14536
Des Moines, IA 50306