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Long-term financial security for your loved onesGroup Level Term Life

If something happened to you, how would your family maintain their lifestyle?

older couple with their grandchildIf something happened to you, how would your family maintain their lifestyle?

Designed for AOPA members and their busy, active lifestyles, AOPA Level Term Group Life Insurance has no aviation exclusions—something you won't get from an average policy.

AOPA members and their spouses1 can lock in an affordable rate and benefit from $200,000 up to $1 million for 10 or 20 years—without having to worry about updating their coverage yearly.  The initial premium will not change for the first 10 or 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.  You can trust that your rate is designed to not increase, making it easy to plan and budget from year to year.

To view a full rate chart, please click on the "Rates" link located next to the "Benefits" link below.

benefits

Choose either a 10- or 20-year term. It’s your choice based on your age at the time you apply and your family’s needs.

ELIGIBILITY AGE TERM BENEFIT AMOUNT
Under age 66 10-year term $200,000 up to $1 million
Under age 56 10 or 20-year term $200,000 up to $1 million

Dependent children – Your dependent children age six months to 19 years (or 25 for full-time students) qualify for $5,000 or $10,000 in life benefits. Dependent children age 14 days to less than six months qualify for $1,000 or $5,000.

Coverage will not reduce during a level term period.  For Members and Spouses1 who are age 70 to 74 at the end of a level term, period coverage will reduce to 50% and from age 75 to 79 coverage is reduced to 25% of the original face amount. Coverage terminates at age 80.

“Living Benefits” if terminally ill – If you are diagnosed as terminally ill with less than six months to live, you can request up to 50% of your benefits (or $100,000, whichever is less) through the plan’s Accelerated Life Benefit. You can use this money any way you wish—to help pay for medical expenses, homemaker services or other expenses. The remainder of your benefit amount will be paid to your beneficiary(ies) after your death. Please note: The receipt of Accelerated Life Benefits may be taxable. You should seek assistance from a personal tax advisor in order to assess possible tax implications.

No aviation exclusions – This plan does not have any aviation exclusions, unlike some life insurance plans that exclude aviation-related activities. 

Portable coverage – You can take this coverage with you if you leave your current job or move. It is not tied to your career or to any one employer.

Offers conversion privileges – When your coverage terminates, your life insurance can be converted to an individual whole life policy within 31 days—without regard to your health at that time. This privilege also applies to spouse1 and child coverage.

Travel assistance services – You will be covered under the Voya Travel Assistance program at no cost to you. When traveling more than 100 miles from home, Voya Travel Assistance offers you and your dependents four types of services: Pre-Trip Information, Emergency Personal Services, Medical Assistance Services, and Emergency Transportation Services. Voya Travel Assistance Services provided by Europ Assistance USA, Bethesda, MD.  Services are not available in all states.

Funeral planning and concierge services offers members a unique opportunity to discuss and obtain funeral planning information for themselves and eligible family members from independent experts. (Funeral Planning and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX.)  Services are not available in all states.

1Reference to spouse include New Jersey civil union partners as well as partners in same-sex relationships formed in other jurisdictions that provide substantially all of the rights and benefits of marriage but which may have been formed under a different name. Spouses are limited to the amount of insurance for which the member is insured.

This is a summary of benefits only.  A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage.  All coverage is subject to the terms of the group policy.  If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

Life insurance coverage is provided under the terms of a group life insurance policy, Group Policy 66702-1 issued and delivered in the state of New Jersey, and is governed by its laws, to the Aircraft Owners and Pilots Association as the policyholder.  The group life insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota.  This is a paid endorsement.  AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.  Plan is administered by Mercer Health & Benefits Administration LLC, an insurance administrator licensed in the state of New Jersey.  In CA d/b/a Mercer Health & Benefits Insurance Services LLC  AR Insurance License #100102691 •  CA Insurance License #0G39709    Our Role and Compensation

Rates

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE 

MONTHLY PREMIUM RATES PER $1,000 OF COVERAGE

INSURED AMOUNTS $200,000 - $499,000

MALE FEMALE
Issue Age Tobacco NT-Preferred NT-Super Preferred Tobacco NT-Preferred NT-Super Preferred
18-26 0.14 0.06 0.05 0.09 0.05 0.04
27 0.14 0.06 0.05 0.10 0.05 0.04
28 0.14 0.06 0.05 0.10 0.05 0.04
29 0.15 0.06 0.05 0.11 0.05 0.04
30 0.15 0.06 0.05 0.11 0.05 0.04
31 0.16 0.06 0.05 0.12 0.05 0.04
32 0.17 0.06 0.05 0.13 0.05 0.04
33 0.19 0.06 0.05 0.14 0.05 0.04
34 0.20 0.06 0.05 0.15 0.05 0.04
35 0.21 0.06 0.05 0.17 0.05 0.04
36 0.23 0.06 0.05 0.18 0.06 0.04
37 0.25 0.06 0.05 0.20 0.06 0.05
38 0.27 0.06 0.06 0.21 0.06 0.05
39 0.29 0.07 0.06 0.23 0.07 0.06
40 0.32 0.07 0.06 0.25 0.07 0.06
41 0.35 0.09 0.07 0.26 0.08 0.06
42 0.38 0.09 0.07 0.28 0.08 0.07
43 0.41 0.10 0.08 0.30 0.09 0.07
44 0.44 0.11 0.09 0.32 0.10 0.08
45 0.49 0.12 0.10 0.35 0.11 0.09
46 0.52 0.13 0.11 0.37 0.12 0.09
47 0.56 0.15 0.12 0.39 0.13 0.10
48 0.60 0.16 0.13 0.41 0.13 0.11
49 0.64 0.18 0.14 0.43 0.14 0.11
50 0.68 0.20 0.15 0.46 0.15 0.12
51 0.73 0.22 0.17 0.48 0.16 0.13
52 0.78 0.24 0.19 0.50 0.17 0.14
53 0.83 0.26 0.21 0.53 0.19 0.15
54 0.89 0.29 0.23 0.56 0.20 0.17
55 0.95 0.32 0.25 0.58 0.22 0.18
56 1.01 0.34 0.28 0.61 0.23 0.19
57 1.07 0.37 0.30 0.65 0.25 0.20
58 1.14 0.41 0.33 0.68 0.27 0.22
59 1.23 0.45 0.36 0.72 0.29 0.23
60 1.28 0.47 0.39 0.72 0.30 0.24
61 1.33 0.50 0.41 0.76 0.31 0.26
62 1.39 0.53 0.43 0.81 0.33 0.27
63 1.46 0.56 0.45 0.86 0.35 0.29
64 1.53 0.59 0.48 0.91 0.37 0.30
65 1.61 0.63 0.51 0.96 0.40 0.32

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE 

MONTHLY PREMIUM RATES PER $1,000 OF COVERAGE

INSURED AMOUNTS $500,000 - $1,000,000

MALE FEMALE
Issue Age Tobacco NT-Preferred NT-Super Preferred Tobacco NT-Preferred NT-Super Preferred
18-26 0.13 0.06 0.05 0.08 0.05 0.04
27 0.13 0.06 0.05 0.09 0.05 0.04
28 0.13 0.06 0.05 0.09 0.05 0.04
29 0.14 0.06 0.05 0.10 0.05 0.04
30 0.15 0.06 0.05 0.10 0.05 0.04
31 0.15 0.06 0.05 0.11 0.05 0.04
32 0.16 0.06 0.05 0.12 0.05 0.04
33 0.18 0.06 0.05 0.13 0.05 0.04
34 0.19 0.06 0.05 0.14 0.05 0.04
35 0.20 0.06 0.05 0.16 0.05 0.04
36 0.22 0.06 0.05 0.17 0.05 0.04
37 0.24 0.06 0.05 0.19 0.05 0.04
38 0.26 0.06 0.05 0.20 0.06 0.05
39 0.28 0.07 0.05 0.22 0.06 0.05
40 0.31 0.07 0.06 0.24 0.07 0.06
41 0.34 0.08 0.06 0.25 0.07 0.06
42 0.37 0.09 0.07 0.27 0.08 0.07
43 0.40 0.10 0.08 0.29 0.09 0.07
44 0.43 0.11 0.09 0.31 0.10 0.08
45 0.47 0.12 0.10 0.34 0.11 0.08
46 0.51 0.13 0.10 0.35 0.11 0.09
47 0.54 0.14 0.11 0.37 0.12 0.10
48 0.58 0.16 0.12 0.40 0.13 0.10
49 0.62 0.17 0.13 0.42 0.14 0.11
50 0.67 0.19 0.15 0.44 0.15 0.12
51 0.72 0.21 0.16 0.46 0.16 0.13
52 0.76 0.23 0.18 0.49 0.17 0.14
53 0.82 0.25 0.20 0.51 0.18 0.15
54 0.88 0.27 0.22 0.54 0.19 0.16
55 0.94 0.30 0.24 0.57 0.21 0.17
56 0.99 0.33 0.27 0.60 0.22 0.19
57 1.05 0.36 0.29 0.63 0.24 0.20
58 1.13 0.39 0.32 0.67 0.26 0.21
59 1.22 0.43 0.35 0.71 0.28 0.22
60 1.27 0.45 0.37 0.71 0.29 0.23
61 1.33 0.48 0.39 0.75 0.31 0.24
62 1.40 0.51 0.41 0.80 0.33 0.26
63 1.46 0.54 0.44 0.84 0.35 0.27
64 1.54 0.57 0.47 0.89 0.38 0.29
65 1.63 0.60 0.49 0.95 0.41 0.30

GROUP 20-YEAR LEVEL TERM LIFE INSURANCE 

MONTHLY PREMIUM RATES PER $1,000 OF COVERAGE

INSURED AMOUNTS $200,000 - $499,000

MALE FEMALE
Issue Age Tobacco NT-Preferred NT-Super Preferred Tobacco NT-Preferred NT-Super Preferred
18-26 0.16 0.07 0.05 0.11 0.06 0.05
27 0.16 0.07 0.05 0.12 0.07 0.05
28 0.17 0.07 0.06 0.13 0.07 0.05
29 0.18 0.07 0.06 0.14 0.07 0.05
30 0.20 0.08 0.06 0.15 0.07 0.05
31 0.21 0.08 0.06 0.16 0.07 0.05
32 0.23 0.08 0.06 0.18 0.07 0.05
33 0.25 0.08 0.06 0.19 0.07 0.05
34 0.27 0.08 0.07 0.21 0.07 0.05
35 0.29 0.09 0.07 0.22 0.07 0.06
36 0.32 0.09 0.07 0.24 0.07 0.06
37 0.34 0.09 0.07 0.26 0.07 0.06
38 0.38 0.09 0.08 0.29 0.08 0.06
39 0.41 0.10 0.08 0.31 0.09 0.07
40 0.45 0.10 0.09 0.33 0.10 0.07
41 0.49 0.12 0.10 0.36 0.11 0.08
42 0.53 0.14 0.11 0.39 0.12 0.09
43 0.58 0.15 0.12 0.41 0.13 0.10
44 0.64 0.17 0.13 0.44 0.14 0.11
45 0.70 0.18 0.15 0.48 0.15 0.12
46 0.76 0.20 0.16 0.52 0.16 0.13
47 0.82 0.23 0.18 0.55 0.18 0.14
48 0.88 0.25 0.19 0.59 0.19 0.15
49 0.95 0.29 0.22 0.62 0.21 0.17
50 1.03 0.32 0.24 0.66 0.23 0.18
51 1.11 0.35 0.27 0.71 0.25 0.19
52 1.20 0.38 0.29 0.76 0.27 0.20
53 1.30 0.41 0.32 0.81 0.29 0.22
54 1.40 0.44 0.36 0.87 0.31 0.23
55 1.52 0.47 0.39 0.93 0.34 0.25

GROUP 20-YEAR LEVEL TERM LIFE INSURANCE 

MONTHLY PREMIUM RATES PER $1,000 OF COVERAGE

INSURED AMOUNTS $500,000 - $1,000,000

MALE FEMALE
Issue Age Tobacco NT-Preferred NT-Super Preferred Tobacco NT-Preferred NT-Super Preferred
18-26 0.15 0.07 0.06 0.11 0.06 0.05
27 0.16 0.07 0.06 0.11 0.07 0.05
28 0.16 0.07 0.06 0.12 0.07 0.05
29 0.18 0.07 0.06 0.13 0.07 0.05
30 0.19 0.08 0.06 0.14 0.07 0.06
31 0.20 0.08 0.06 0.16 0.07 0.06
32 0.22 0.08 0.06 0.17 0.07 0.06
33 0.24 0.08 0.07 0.18 0.07 0.06
34 0.26 0.08 0.07 0.20 0.07 0.06
35 0.28 0.09 0.07 0.22 0.07 0.06
36 0.31 0.09 0.07 0.24 0.07 0.06
37 0.34 0.09 0.07 0.26 0.07 0.06
38 0.37 0.09 0.08 0.28 0.08 0.06
39 0.40 0.10 0.08 0.30 0.09 0.07
40 0.44 0.10 0.09 0.33 0.10 0.08
41 0.48 0.12 0.10 0.35 0.11 0.08
42 0.53 0.14 0.11 0.38 0.11 0.09
43 0.57 0.15 0.12 0.41 0.13 0.10
44 0.63 0.17 0.13 0.44 0.14 0.11
45 0.69 0.18 0.15 0.47 0.15 0.12
46 0.74 0.20 0.16 0.51 0.16 0.13
47 0.80 0.23 0.18 0.54 0.18 0.14
48 0.87 0.25 0.19 0.57 0.19 0.15
49 0.94 0.28 0.22 0.61 0.21 0.17
50 1.02 0.32 0.24 0.65 0.23 0.18
51 1.10 0.35 0.27 0.70 0.25 0.19
52 1.19 0.38 0.29 0.75 0.27 0.20
53 1.28 0.42 0.32 0.80 0.29 0.22
54 1.39 0.47 0.35 0.86 0.31 0.23
55 1.50 0.51 0.39 0.91 0.34 0.25

Coverage does not reduce during a level term period. Coverage terminates at age 80.

For $5,000 Dependent Child Coverage, rate is $1.00 per month.
For $10,000 Dependent Child Coverage, rate is $2.00 per month. 

Rates Shown are as of July 1, 2016.

Please see your application packet for your specific rate.

Frequently Asked Questions

Will I need to take a medical exam to obtain coverage

Proof of good health is required for acceptance. This may or may not include a medical exam. If an exam is required, it will be performed at your convenience and at no expense to you.

Why would I need this life coverage

Most likely you already have some life insurance—but is it enough and does it cover your aviation activities? Inflation, economic conditions, and lifestyle changes can all eat away at the value of that life insurance. If something happened to you, your current life insurance may not be enough to adequately support your loved ones. AOPA Group Term Life Insurance makes it easy and affordable you to obtain additional life insurance.

What is the Accelerated Life Benefit

With this benefit, you can collect a portion of your benefit amount (up to 50%) if you are diagnosed with a terminal illness with less than six months to live. You can use your life insurance proceeds to help pay medical or other expenses during this difficult time. Your beneficiary would then receive the remainder of your benefits after your death.

Are there any aviation exclusions under this plan

There are no aviation exclusions under this plan. Your aviation activities are covered, unlike some life insurance plans that exclude flying in recreational or commercial aircraft. 

Get Your Custom Insurance Quote

Contact Us for Support

Aviation

800.622.AOPA (2672)

Life Insurance

844.304.AOPA (2672)

AD&D

844.304.AOPA (2672)

EA+

844.603.0568

Loss of Medical

800.241.6103

 

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