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Level Term Life Insurance

Insurance is the type of product that you hope you never have to utilize. In the event that you need to use it, though, it's important that you have the insurance product that best meets you and your family's needs.

The NYSUT Member Benefits Trust-endorsed Level Term Life Insurance Plan -- provided by Metropolitan Life Insurance Company -- offers level term life insurance coverage for you or your spouse or certified domestic partner.


Life insurance is crucial income that allows your family to pay daily living expenses such as food, rent, gas, and utilities; mortgage and property taxes; college tuition and/or childcare expenses for children; outstanding debts such as credit cards or loans; and any final medical, burial or funeral expenses.

Terms are available for 10-year, 15-year and 20-year periods. Applicants must be under age 55 to be eligible for the 20-year plan, under age 60 for the 15-year plan and under age 65 for the 10-year plan. You or your spouse or certified domestic partner can apply for coverage up to $1 million.




2 Easy Ways to Learn More And/Or Get an Application:

1. Call
Mercer Consumer -- the plan administrator -- toll-free at 888-38-NYSUT (888-386-9788), weekdays from 9 a.m. to 9 p.m. or Saturdays from 9 a.m. to 2 p.m. (EST)

2.
Applications for the MetLife Voluntary Level Term Life Insurance Plan are available on the Level Term Life Insurance page on the Mercer Consumer website; click on the "Online Application - Apply Now" box on the right hand side of the page.

Applications must be printed out, completed and then mailed to Mercer Consumer, P.O. Box 9186, Des Moines, IA 50306-9186.



The NYSUT Member Benefits Trust-endorsed Level Term Life Insurance Plan is underwritten by Metropolitan Life Insurance Company and administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC.


The MetLife Level Term Life Insurance Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 7.61% of earned premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.