Compare Your Life Insurance Options.
Find the Right Fit.
California attorneys have access to three group life insurance coverages sponsored by the State Bar of California. All coverages are underwritten by New York Life Insurance Company and administered by AMBA for the State Bar of California. Each option differs by eligibility age, coverage amount, underwriting requirements, and premium structure, enabling you to choose coverage specifically suited to your career stage and financial responsibilities.
These policies are available exclusively to licensed California attorneys and are not available to the general public.
Group Term Life Insurance
★ New Rates Available
Group 10-Year Level Term Life Insurance
★ New Rates Available
Group 20-Year Level Term Life Insurance
Often chosen by younger attorneys who want maximum coverage at the lowest cost. Premiums are lowest at younger ages.
Attorneys older than 50 years of age who want predictable premiums over a defined period.
Younger attorneys seeking longer-term rate stability. Ideal for those with younger dependents or longer financial obligations.
Applicants 69 and under and
renewable through age 80
Applicants eligible up to age 69 and renewable until age 80
Applicants eligible up to age 59 and renewable until age 80
Yes
Yes
Yes
Premiums increase over time based on attained age bands.
★ New Rates Available
Premiums stay the same for the initial 10 years. After initial term you have the option to re-apply or pay higher renewal premiums.
★ New Rates Available
Premiums stay the same for the initial 20 years. After initial term you have the option to re-apply or pay higher renewal premiums.
Included with coverage. If totally disabled before age 60, coverage may continue without premium contributions until age 70, subject to continued eligibility.
Optional for eligible members under age 56. Future premiums may be waived following a qualifying total disability, subject to policy provisions and approval.
Optional for eligible members under age 56. Future premiums may be waived following a qualifying total disability, subject to policy provisions and approval.
QuickDecisionsm Available
New: QuickDecisionsm Available
New: QuickDecisionsm Available
New York Life Insurance Company
G-30921-0
G-30922-0
G-30923-0
$100,000 to $3,000,000 in $25,000 increments
$100,000 to $3,000,000 in $25,000 increments
$100,000 to $3,000,000 in $25,000 increments
Preferred, Standard, and Smoker
Super Preferred, Preferred, Select, Standard Tobacco
Super Preferred, Preferred, Select, Standard Tobacco
This is only a brief description of the coverage. The complete terms and conditions are set forth in the Group Policy issued by New York Life Insurance Company to the State Bar of California. When you become insured, you will receive a Certificate of Insurance
summarizing your benefits.
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 under Group Policy Numbers G-30921-0 (TL), G-30922-0 (10 YLT), and G-30923-0 (20 YLT), on Policy Forms GMR-FACE/G-30921-0/G-30922-0/G-30923-0.
New York Life Insurance Company is authorized/licensed 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 eligibility sections for current availability. New York Life’s state of domicile is New York and NAIC ID #66915.
Special ID# 8398964
Advantages of Group Term Life Insurance Offered to California Attorneys Administered by AMBA
Group life insurance comes with specific advantages, combining convenience with protection designed for your career and lifestyle.
Exclusive Group Rates
All three coverages come with specially negotiated rates offered exclusively to licensed California attorneys.
Higher Coverage Limits
Apply for up to $3 million in coverage, with multiple underwriting options to streamline your application.
Portable Coverage
Your insurance isn’t tied to your employer. It can stay with you even if you switch firms, start your own practice, or retire, as long as you are eligible for your policy.
Family Protection
Easily add coverage for your spouse or domestic partner and dependent children under the same policy, simplifying protection for your entire household.
Living Benefit (Accelerated Death Benefit)
Provides you early access to a portion of your benefits if diagnosed with a terminal illness, subject to policy terms and limitations. Funds are paid directly to you, offering financial flexibility when needed most. *Please consult your tax advisor for further information.
Life Insurance Tailored to California Attorneys
California attorneys often juggle multiple financial responsibilities, such as running a practice, repaying student loans, or supporting a family. Life insurance helps ensure those responsibilities can still be met even if something happens to you.
These policies can go with you if you change firms, start your own practice, or retire.
An Easier Way to
Receive Coverage
Applying for life insurance should be simple and straightforward. You can apply online in New York Life’s secure online portal. The application can be completed in less than 30 minutes.
Faster Answers with QuickDecisionSM
QuickDecisionsm is New York Life’s proprietary medical underwriting process designed to help deliver a faster decision on your insurance application so you can be covered sooner — with typically no medical exam for many applicants.
Up to $3 Million in Coverage
California attorneys can select life insurance coverage in flexible $25,000 increments, with options ranging from $100,000 to $3 million. This flexibility allows you to tailor your coverage to meet your current financial responsibilities, whether you’re managing a growing practice, supporting a family, or preparing for retirement.
Get a 30-Day Free Look
You’ll have 30 days from receipt of your Certificate of Insurance to review coverage. If it doesn’t meet your expectations, return it without claim for a full refund, no questions asked. Your coverage will then be invalidated.
Have Questions?
An AMBA representative is ready to help!
phone
Hours
6am-3pm PT
Address
AMBA
4050 114th Street
Urbandale, Iowa 50322
Application Mailing Address
The State Bar of California-Sponsored Insurance Program
PO Box 14536
Des Moines, IA 50306
How Much Life Insurance Do California Attorneys Need?
The right amount of life insurance depends on your financial responsibilities, the needs of those who rely on you, and the expenses you want to protect. Attorneys often have unique financial obligations, such as practice-related debt, student loans, mortgages, or dependents relying on their income.
Ask these questions when choosing your coverage amount:
- What would your family need to maintain their current lifestyle if you were no longer there?
- Do you have a mortgage or other significant long-term debts?
- Would your practice, partners, or estate incur expenses that someone else would need to handle?
All three life insurance coverages allow you to select coverage that aligns with your specific needs today, and provides flexibility to adjust as circumstances change.
How Much Life Insurance Do You Need?
If you need an easy way to determine a basic estimate of how much coverage you may need, use this free life insurance calculator.
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Already Have Life Insurance Through Your Work? You Can Still Apply
The right amount of life insurance depends on your financial responsibilities, the needs of those who rely on you, and the expenses you want to help protect. Group life insurance sponsored by the State Bar of California can be used to supplement the coverage you may already have through your employer. Workplace policies often have lower benefit amounts and usually end when your employment does. These group policies are portable, offer higher coverage limits, and give you more control over how long the coverage lasts.
This additional coverage can help close any gaps in protection, especially if you have financial responsibilities like a mortgage, dependent children, or retirement planning needs. Even if you get coverage through your employer, you can insure your spouse or domestic partner through this State Bar-sponsored Group life insurance if they are not covered.
Frequently Asked Questions
Do I need a medical exam to apply?
Not always. Many applicants qualify for QuickDecisionSM underwriting, which uses health questions and data sources.
*QuickDecisionsm uses answers to online health questions and securely accessed data which may include prescription, motor vehicle, and medical claims data. An approval decision is conditional upon your group status, coverage limits, and other factors. A referral decision may be given and may require a medical exam. Some applicants may be declined coverage. QuickDecision is not available for all products or in all states and territories.
Can my spouse, domestic partner, or dependents be covered?
Yes. All three coverages offer optional coverage for a lawful spouse or domestic partner and dependent children. Eligibility and available amounts vary by coverage and age.
What happens to my coverage if I leave California or retire?
Coverage is portable. As long as premium payments continue and eligibility criteria are met, you can maintain your group life insurance policy until termination age regardless of changes to your practice status or residence.
How do premiums work?
Premiums for Group Term Life increase over time based on age brackets. The Group Level Term coverages offer locked-in premiums for the initial 10 or 20 years, depending on the option you select. After the term ends, coverage may be renewed with updated underwriting and rates.
How much coverage should I consider?
That depends on your income, debts, and family obligations. While individual needs vary, many attorneys use life insurance to cover mortgages, dependents’ education, and any current living expenses.
What’s the difference between these and employer-provided coverage?
Employer-provided policies are often limited in coverage and may not follow you if you change jobs. Choosing these coverages provide higher maximums while still receiving group rates.
I already have life insurance. Should I switch coverages?
Not necessarily. Review your existing coverage and compare it to your current financial responsibilities. If you discover a gap, adding an additional group policy could be a smarter solution than replacing your existing coverage.
When does my insurance become active?
Insurance may take effect on the first of the month after 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) and any person to be insured is actively performing the normal activities of a person in good health of like age on the date. Any person to be insured must also not be hospitalized on the date your insurance is to take effect. If so, insurance will take effect on the day after you are discharged.
Should I consider additional Accidental Death & Dismemberment (AD&D) coverage?
You may want to consider an AD&D policy to supplement (not replace) your life insurance coverage. AD&D insurance pays a benefit in the event of accidental death or serious injury. It’s a way to potentially increase protection for unexpected events.
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 benefit details sections for current availability. New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.