Group Term Life Insurance Plan

Like you, we understand the importance of protection. After all, life is ever-changing and never guaranteed. If you were to pass away, the AUSA Group Term Life Insurance plan can help provide your loved ones with financial support.

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Why Choose AUSA Group Term Life Insurance?

You have a lot of choices when it comes to purchasing life insurance. Here’s why you should consider AUSA:

  • Coverage up to $500,000: With your AUSA membership, coverage for your spouse/domestic partner is available as well.
  • Competitive rates: We leverage the group buying power of all AUSA members to bring you economical rates.
  • Straightforward service: Our knowledgeable insurance representatives can help you interpret insurance jargon, fill out an application, file a claim, and more.
  • A loyal organization: AUSA is 100% committed to you. We've been advocating on your behalf since 1950.
  • A trustworthy carrier: This plan is underwritten by The Hartford, an insurance provider named one of the "World's Most Ethical Companies" 14 times by the Ethisphere® Institute.*

The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

*"World's Most Ethical Companies" and "Ethisphere" names and marks are registered trademarks of Ethisphere LLC.

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For trusted protection backed by AUSA. Choose one of two plans and your state, then download and mail in the appropriate application.

SIMPLIFIED ISSUE COVERAGE

Faster underwriting, with no medical exam!**

For coverage between $10,000-$250,000:

Choose your state to download the appropriate application:


Download, print, and mail your completed application to the address listed in the application.

This insurance product may not be available in all states and U.S. territories, including AK, Guam, ID, MT, NH, OR, PR, and WA.

You may apply for this insurance product in the following states soon: CT, IN, KS, ME, MA, MN, MO, NE, NJ, NM, NY, UT, VT.

**Issuance of the insurance coverage is dependent on answers to the health questions.

Apply Now!

For trusted protection backed by AUSA. Choose one of two plans and your state, then download and mail in the appropriate application.

STANDARD ISSUE COVERAGE

Fully underwritten coverage with a medical exam required.

For coverage between $10,000-$500,000:

Choose your state to download the appropriate application:


Download, print, and mail your completed application to the address listed in the application.

This insurance product may not be available in all states and U.S. territories, including AK, Guam, ID, MT, NH, OR, PR, and WA.

You may apply for this insurance product in the following states soon: CT, IN, KS, ME, MA, MN, MO, NE, NJ, NM, NY, UT, VT.

Guaranteed Issue2 Coverage

AUSA members under age 55 who have been honorably discharged from the U.S. Army within the last 90 days are eligible to enroll for a guaranteed issue2 of $100,000 in AUSA term life coverage.

Download and mail your enrollment form.

Enrollment form for residents of Louisiana is available here.

2This coverage is guaranteed issue, but we reserve the right to decline an eligible member's application for this benefit.

Plan Highlights

  • Coverage amounts from $10,000 up to $500,0001
  • Your spouse/domestic partner is eligible for coverage
  • Living benefit option that allows you to receive a portion of your life insurance benefit early if you're diagnosed with a terminal illness2
  • Accidental Death and Dismemberment benefit that allows you to receive a portion of your benefit if you or your dependents sustain an injury in a covered accident
  • Apply for coverage up to $250,000 with no physical exam or bloodwork involved3
  • Spouse/Domestic Partner & Child Education Benefit to help your dependents cover education expenses if you pass away
  • Guaranteed issue4 coverage of $100,000 for eligible members

1At age 70 the benefit amount will reduce to the lesser of $20,000 or 50%; at age 75 the benefit amount will reduce to lesser of $10,000 or 50%.

2You must request in writing that a portion of the Terminally Ill person's Amount of Life Insurance be paid as an Accelerated Benefit. Terminally Ill means a life expectancy of 12 months or less. Accelerated benefits may be taxable. These materials are not intended to provide tax, accounting or legal advice and cannot be relied upon for any such purpose. You should consult your own tax or legal counsel for advice. For residents of Texas: Accelerated benefits may affect your or your family’s initial or continued eligibility for public assistance, such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), we recommend that you consult with social service agencies with any questions regarding eligibility for public assistance.

3Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

4This coverage is guaranteed issue, but we reserve the right to decline an eligible member's application for this benefit.

Monthly Plan Rates

Standard and Simplified Issue Group Term Life Insurance Plan

MONTHLY RATES PER $1,000
AGE MEMBER & SPOUSE/DOMESTIC PARTNER RATES
Under 24 $0.06
25-29 $0.07
30-34 $0.10
35-39 $0.12
40-44 $0.17
45-49 $0.23
50-54 $0.36
55-59 $0.63
60-64 $1.01
65-69 $1.35
70-74* $2.03
75-79* $3.37
80-84* $5.77
Child Rate $1.21

*Premium rates for persons 70 or older are renewable only. At age 70, the benefit amount will reduce to the lesser of $20,000 or 50%; at age 75, the benefit amount will reduce to the lesser of $10,000 or 50%. Rates and/or benefits may be changed on a class basis.

Rates are based on the attained age of the Insured person and increase as you enter each new age category.

Guaranteed Issue Group Term Life Insurance Plan

Only members under age 55 who have been honorably discharged within the last 90 days can qualify for this coverage, and the only coverage amount available is $100,000.

AGE MONTHLY RATES PER $1,000
Under 30 $0.20
30-34 $0.21
35-39 $0.25
40-44 $0.36
45-49 $0.57
50-54 $0.87
55-59 $1.43
60-64 $2.31
65-69 $3.67

Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the Insured person and increase as you enter each new age category.

Resources

Group Term Life Insurance Brochure (includes rates)

Claim Forms

To submit a claim, download and complete the applicable form and mail it to the address shown at the bottom of this page or fax it to (866) 817-9009.

Group Term Life Insurance Claim Form
Attending Physician's Statement - Progress Report
Attending Physician's Statement of Functionality

Beneficiary Forms

To update your beneficiary, download the applicable form and mail it to the address shown at the bottom of this page.

Beneficiary Form
Beneficiary Form (VA)

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1978 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Pearl is the Plan Administrator and insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. This is a participating group policy under which dividends and/or experience credits may be paid to Association of the United States Army.

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

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