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Group Level 10/20 Year Term
Life Insurance

The NYSBA’s two group level term life insurance policies guarantee rates for 10 and 20 years, respectively, with a coverage amount that will never decrease while you're insured. For those looking for stability, these policies may be great options.

53 million Gen Z (ages 18-26)and Millennial (ages 27-42) Americans believe they have insufficient life insurance coverage even though insurance ownership increasing for Gen Z and Millennials over the past year.* Life insurance provides you with the opportunity to look after your loved ones and take care of financial responsibilities in the event that something should happen to you.

Benefit Details

Both level term life insurance policies offer coverage up to $2 million, in increments of $50,000.
Both level term policies offer an accelerated death benefit option allowing for a one-time payment of 50% of in-force coverage if you are diagnosed as terminally ill.
NYSBA members under the age of 65 can apply for 10-year level term coverage along with their spouse/domestic partner and dependent children.
NYSBA members under the age of 55 can apply for the 20-year level term coverage, along with a spouse/domestic partner and dependent children.

Apply Online

Download an application: 10-Year / 20-Year
Download a brochure: 10-Year / 20-Year
Understand the Application Process - Click here

Need help deciding which coverage is best? For more information, including features, costs, eligibility, renewability, limitations and exclusions, please download the brochure or call our licensed representatives at 855-874-0813.

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*Source: 2023 Insurance Barometer Study, LIMRA and Life Happens

USI AFFINITY + NEW YORK LIFE
We have partnered with New York Life to provide these coverages at specially-negotiated rates. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+) and Moody's Investors Service (Aa1). Source: Third Party Rating Reports (as of 05/19/2025). The NYSBA's member-only Group Life Insurance program is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Policy Form GMR/FACE, Group Policy Nos. G-29111-0 (10 LTL), and G-29207-0 (20 LTL). 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 brochures for current availability. New York Life Insurance Company's state of domicile is New York, and NAIC ID # 66915.

Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.

NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
30-Day Free Look
Once coverage is approved, you will be sent a Certificate of Insurance summarizing benefits. If you are not completely satisfied with the terms of the Certificate, you may return it, without claim, within 30 days for a full refund.

Group Level 10/20 Year Term Life Insurance

Benefit Details

Group Level 10/20 Year Term
Life Insurance