Group 10-Year Level Term Life Insurance

Plan for the unexpected.

Your life could change in the blink of an eye. Even if your world stops, you should have coverage to help your loved ones maintain their current standard of living. NSPE Group 10-Year Level Term Life Insurance can be essential to estate planning and your family’s future.

  • Coverage amounts of $100,000 to $1,000,000
  • Non-tobacco user discount
  • Requalification/re-entry available after initial selected guarantee period
  • Accelerated death benefit
  • And much more!

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Click the buttons below for more information—features, costs, eligibility, renewability, limitations, and exclusions—and to apply for this coverage as well as other trusted products.

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10-Year Level Term Life Brochure


10-Year Level Term Life Application

Additional Forms

Survivorship Affidavit

Beneficiary Change Form

Death Claim Form

Products Available


This policy is underwritten by New York Life Insurance Company, under Group Policy No. G-30222-0, on Policy Form GMR-G-30222-0/FACE.

New York Life 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 applicable insurance brochures for current availability.

New York Life’s state of domicile is New York, and NAIC ID # is 66915.

New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor's (AA+), A.M. Best (A++), Moody's (Aaa), and Fitch (AAA).*

*Source: Individual Third-Party Ratings Reports as of 10/15/2020.


How much life insurance should I consider?

When you think about requesting life insurance, consider how much your dependents will need to maintain their lifestyle. Some insurance experts suggest that you have life insurance equal to five to nine times your current income.

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Who is eligible for this insurance?

NSPE members who are under age 65 may apply for coverage for themselves and their lawful spouses under age 65. Also, all unmarried dependent children ages 14 days through 18 years (25 if a full-time student) are eligible. In order to become insured, satisfactory evidence of insurability must be provided, and the required premium must be paid. A dependent who is also an NSPE member is eligible for either member or dependent coverage, but not both. If both member and spouse are covered as members, neither may insure the other as spouse, and only one may insure any eligible children. To be eligible, you must reside in the U.S. (except FL, LA, ME, NC, OH, TX, VT, or WA) or Canada (except Quebec).

How much insurance can I request?

Members—$100,000 to $1,000,000 in $25,000 multiples.
Spouse—$100,000 to $1,000,000 in $25,000 multiples, not to exceed 100% of member's coverage.
Child(ren)—$5,000 per child ($500 from 14 days to under 6 months).

Note: The total amount of coverage an individual may request under all group life insurance policies underwritten by New York Life Insurance Company may not exceed $1,000,000 for members and $1,000,000 for spouse.

Are any discounts available?

Two discounts are available:

  • Volume discount—If you or your spouse become insured for coverage amounts of $250,000 through $1,000,000, you'll receive a volume discount.
  • Qualified non-tobacco users—Non-tobacco users meeting the highest underwriting standards may qualify for the "Preferred" (the policy's best) rates. Other non-tobacco users may qualify for "Select" (higher, but still exclusively priced) or "Standard" (the policy's highest) rates.