Group Annual Renewable Term Life Insurance
This NYSBA program is particularly well-suited for younger lawyers looking to maximize their life insurance coverage.
Renewable Term Life Insurance coverage lasts for a set period and you can renew it—no medical exam required. NYSBA members, their spouse or partner and dependent children can apply for $100,000 up to $3 million of coverage, depending on the coverage you choose.
The plan available to NYSBA members is renewable on an annual basis. Premiums increase each time you renew, since they’re based on your age each term. This type of plan offers short term flexibility if you need temporary coverage or want freedom to adjust your plan later.
NEW: QuickDecisionSM on Benefit Amounts up to $2 Million
Find out as soon as TODAY if you are approved for Group Term Life Insurance coverage.
With the QuickDecision process, you can apply for amounts up to $2,000,000 – usually with no medical exam or lab work required – just answer some health questions and provide other information. QuickDecision is available for members under age 65.
NOTE: QuickDecision is not offered in Puerto Rico.
Who is Eligible?
This valuable protection is reserved for NYSBA members and their spouse/partners residing in the U.S., under age 65, and dependent children between 15 days and 20 years old. This coverage is not available to the general public and is contingent upon maintaining membership with the NYSBA and payment of premiums.
A few important policy features:
- An Accelerated Death Benefit is included with your life insurance. This value-added Accelerated Death Benefit allows you to request a portion of your benefit amount while still alive if you are diagnosed with a terminal illness.*
- Your premiums payments will be waived if you become totally disabled for a period of at least six months prior to turning age 60.
*Please consult your tax advisor for more information.
Take the Next Step:
Request More Information:
Group Annual Renewable Term
Life Insurance
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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 on Policy form GMR-FACE/G-6410-1 under Group Policy Number G-6410-1. 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 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.