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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 Term Life Insurance Plan provides 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.

With this plan, you can apply for coverage up to $1 million, if under age 65, at premiums negotiated especially for NYSUT members. Reduced coverage amounts are available for members between the ages of 65 and 84. At age 65, benefits decrease; at age 70, coverage is limited to $20,000 or less.

One low premium covers all of your dependent children under the age of 23.

As a result of a regular review process, the Trustees of the NYSUT Member Benefits Trust recently voted to name the MetLife organization as the new Plan Underwriter for our endorsed Voluntary Term Life, Level Term Life and Disability Insurance programs.

MetLife has partnered with NYSUT Member Benefits dating back to 1992 when it was named the program provider of our endorsed Auto & Homeowners Insurance program. Since that time, MetLife has demonstrated its tireless dedication to NYSUT members by providing plan participants with superior customer service and a continued willingness to meet our needs.

****Effective March 1, 2018, the NYSUT Member Benefits Trust-endorsed Voluntary Term Life and Level Term Life Insurance Plans (currently underwritten by U.S. Life (AIG)) will be underwritten by MetLife.

Current program participants will receive an official announcement from NYSUT Member Benefits 60 days prior to the effective date of the change. A follow-up mailing will occur on or near the effective date of the change that will include new plan materials provided by MetLife. Members currently covered by U.S. Life and Unimerica will be transitioned to coverage provided by MetLife as of the effective date of change.

Please note that there will be very few changes to the current benefit packages, premiums or premium collection procedures. However, participants will be made aware of new claim filing procedures. It is also important to note that Mercer Consumer will remain the Plan Administrator for these programs.

U.S. Life (AIG) will continue to accept applications for the current Voluntary Term Life and Level Term Life Insurance Plans through December 1, 2017. New enrollees will be transferred to the new MetLife Term Life and Level Term Life Insurance programs with current participants on or after March 1, 2018.

Applications for the new MetLife Term Life and Level Term Life Insurance programs will be available soon with coverage effective dates on or after March 1, 2018; please visit this website for more details in the coming months.

2 Easy Ways to Learn More:

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. Visit

The NYSUT Member Benefits Trust-endorsed Term Life Insurance Plan is underwritten by The United States Life Insurance Company in the City of New York. The plan is administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC.

The United States Life 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.