Level Term Life Insurance

Cats may have nine lives, but you only have one. Could your family maintain their quality of life if that one life was taken? Without your income support, important financial needs like daily living expenses and long-range financial goals would likely be difficult, if not impossible, to meet.


Level Term Life Insurance through the AVMA LIFE Trust helps provide financial support for your family when you no longer can. The benefit can be used to help:

  • Pay for funeral costs
  • Meet ongoing living expenses
  • Pay off outstanding debt, including car loans and the mortgage
  • Finance future needs like a college education


Coverage Overview

  • Level coverage and rates: Your benefit amount will never decrease, and rates are expected to remain level for the initial term of your 10- or 20-year coverage.
  • Wide range of coverage amounts: Choose any amount you need, from $100,000 to $2,000,000 in $10,000 increments.
  • Lower rates for a healthy lifestyle: If you are a non-smoker, you may qualify for our Super Preferred rates if you can meet stricter underwriting standards. This presents substantial savings compared to the already specially negotiated Preferred, Select, and Standard rates.
  • Spouse/domestic partner and dependent coverage available: Apply for up to $1,000,000 for your spouse/domestic partner and either $5,000 or $10,000 for your eligible dependent.
  • Accelerated death benefit included: Withdraw up to 50% of your death benefit before your passing if you are diagnosed with a terminal illness.
  • Optional Accidental Death and Dismemberment coverage: You can apply for up to $200,000 of coverage for yourself and up to $100,000 for your spouse/domestic partner.

For additional details, including coverage features, costs, eligibility, renewability, exclusions, and limitations, refer to the 10- and 20-Year Level Term Life brochure.

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Get Access to LawAssure for No Additional Cost

Plus, if you have life insurance1 through the AVMA LIFE Trust, for no additional cost, you have access to LawAssure,2 a new value-add service designed to help you create legal documents with ease! With LawAssure, you can prepare customized wills, assign power of attorney, and establish healthcare directives—all from the comfort of your own home.

1Includes Family Group Life, Level Term Life, and 45+ Term Life Advanced insurance through the AVMA LIFE Trust.

2AVMA Administrative Services, LLC, has a sponsored marketing relationship with Epoq, Inc., to offer document preparation services. Neither New York Life Insurance Company, its subsidiaries, partners, the AVMA LIFE Trust, or plan administrator provides financial, tax, or legal advice. This service is provided exclusively by LawAssure, who is the sole party responsible for the preparation of these documents. Please consult your legal, tax and/or financial professional if you have any questions.

Information

Read on to see if this coverage is right for you.

10- and 20-Year Level Term Life Brochure

10- and 20-Year Level Term Life Highlights

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Applications

Download and mail a completed application.

Member Application

forms

Accelerated Death Benefit Claim Form

Accidental Death Claim Form

Death Benefit Claim Form

Life Insurance Beneficiary Form

What to Expect During Underwriting

Carrier

New York Life Insurance Company, NY, NY 10010 on group policy Form GMR. 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.

NYL-5032614