Group Term Life Insurance

Build a stable future.

Life can bring many permanent and abrupt changes. Even if you’re struck with a sudden and unexpected circumstance, proactive measures can alter the aftermath of an unfortunate event.

In trying times, NSPE Group Term Life Insurance helps provide financial stability and essential protection for you and your family.

  • Coverage up to $500,000
  • Non-tobacco user rates
  • Accelerated death benefit
  • And much more!

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Term Life Insurance Brochure


Term Life Insurance Application

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The NSPE Group Term Life Insurance Plan is underwritten by the New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy No. G-30224-0 on Policy Forms GMR-FACE/G-30224-0. The complete description of the NSPE Group Term Life Insurance Plan is contained in the Certificate of Insurance, including features, costs, eligibility, renewability, limitations, and exclusions.

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 plans 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.



How do I calculate my rate?

Rates are based on age and increase as you enter a new age category. Get a rate quote below or refer to the brochure for more details. Rates also increase when a member is a tobacco user. Premiums may be periodically increased on plans to reflect plan utilization and help ensure their financial stability.

Calculate How Much Insurance You Need.

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Can my spouse apply for coverage?

Yes. Your spouse may apply if he/she is under age 60, and resides in the U.S. Your unmarried dependent children ages 14 days through 18 years (25 if a full-time student) are also eligible for coverage—provided you are currently insured or request coverage.

How long does the application process take? When will my coverage become effective?

For some plans, coverage becomes effective within a few days of receiving your application. For others, the process is longer because of required medical underwriting procedures. The underwriting process depends on many factors: the number of people requesting coverage, their ages, the amount and type of coverage applied for, and medical history.

Do I have to take a medical exam, blood test, or other health analysis?

Whether or not you must undergo medical testing depends on the plan and amount of coverage you are requesting, your age, and your individual medical history.

Who administers the program?

The NSPE Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide NSPE members with the most relevant, competitively priced member benefit insurance packages for individuals and their families.