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/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.
RATE REDUCTION UPDATE: Effective January 1, 2023, premium rates for the Level Term Life Insurance Plan are now decreased by 10% for both new and current plan participants.
Note: Current plan participants will see the rate change implemented on their certificate billing anniversary date.
2 Easy Ways to Learn More And/Or Get an Application:
1. Call Association Member Benefits Advisors (AMBA) (formerly Mercer Consumer) -- the plan administrator -- toll-free at 888-38-NYSUT (888-386-9788), weekdays from 9 a.m. to 9 p.m. (EST).
Online applications for the MetLife Voluntary Level Term Life Insurance Plan
are available on the Level Term Life Insurance page
on the AMBA website; click on the "Apply Now" blue box on the right hand side of the page.
NYSUT members can also print out an application if they would prefer by clicking on the Level Term Life Insurance page
on the AMBA website; you will then need to click on "Application Form" under "Forms" on the right hand side of the page.
Applications must be printed out, completed, and then mailed to AMBA, P.O. Box 9186, Des Moines, IA 50306-9186
NYSUT members enrolled in our Level Term Life Insurance Plan have access to will preparation and estate resolution services
provided at no additional cost.
The NYSUT Member Benefits Trust-endorsed Level Term Life Insurance Plan is underwritten by Metropolitan Life Insurance Company and administered by Association Member Benefits Advisors.
NYSUT Student Members are not eligible to participate in this program.
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.