Life Insurance
You don’t buy life insurance because you are going to die, but because those you love are going to live.
AFSPA’s comprehensive life insurance options help you to ensure your family will have the resources they need to carry on—from caregiving expenses if you become chronically ill, to pay–outs to cover funeral costs, outstanding bills, and ongoing living expenses in the event of your death. Best of all, you can enroll in any of our life plans at any time without having to wait for a special enrollment period.
Choose from four life plans. Enroll anytime!
Group Enhanced Life (GEL)
Add-on or stand-alone coverage with flexible "use now" options
Providing coverage for you and your family when you need it most, Group Enhanced Life (GEL) offers important benefits such as the GEL Accelerated Benefit Option (ABO) that pays you benefits while you are still living. These ABO living benefits are designed to help your family cover the costly financial burdens due to any terminal or chronic illness you may face.
Whether you choose GEL as a stand-alone life insurance option—or to augment your existing FEGLI coverage—you will also have the option to keep it even after leaving the government service, up to the age of 80.
- Keep this plan even if you leave government service
- Benefits are payable after a death for any cause including acts of war & terrorism
- Coverage range from $50,000 to $600,000
- Purchase to supplement your FEGLI or as a stand-alone plan
- Beneficiary Advocate benefit is included to assist designated beneficiaries with funeral, estate, and financial planning as well as access to 24/7 grief counseling at the time of claim
| This coverage is not available in the following states: MT, NH, WA, & PR |
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Prudential offers a Life Insurance Estimate Calculator to help you determine a coverage amount that best fits your current financial needs.
| Use the calculator below to see what your yearly premium will be |
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Accelerated Benefit Option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill or chronically ill. You may wish to seek professional tax advice before exercising this option.
Group Enhanced Life coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series: 83500.
1081554-00001-00
Accidental Death & Dismemberment (AD&D)
The surefire way to plan for an accident
Accidents will happen and while we can never know exactly when, we can help provide for the fallout of a potential sudden tragedy. When living and working overseas, it is especially prudent to take added precaution and be prepared for the aftermath of a crippling mishap or catastrophe.
With coverage of up to $600,000, the Accidental Death and Dismemberment plan will help you and/or your survivors get on with life a little easier should you befall a severe or fatal accident anywhere in the world. While injuries suffered due to a war are not covered, the plan does provide for injuries caused by terrorism.
- Covers loss due to coma
- Covers loss of limbs, paralysis, speech, or hearing
- Pays a benefit to cover day care expenses
- Pays a benefit to cover your spouse's tuition
- Includes a one-time home alteration and vehicle modification benefit
- Beneficiary Advocate benefit is included to assist designated beneficiaries with funeral, estate, and financial planning as well as access to 24/7 grief counseling at the time of claim
Note: You can enroll at any time without having to undergo medical underwriting or review of your health history.
| This coverage is not available in the following states: MT, NH, WA, & PR |
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This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDER COVERAGE FOR SICKNESS.
Accidental Death and Dismemberment coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241 Contract Series: 83500
1081554-00001-00
Immediate Benefit Plan
Pays death benefits in 48 hours for participants in select agencies
The Immediate Benefit Plan (IBP) provides prompt benefit payout to your beneficiaries to help mitigate the financial burdens of funeral arrangements, final medical bills, and travel costs for family and friends.
While typical life insurance policies can take weeks or months to deliver benefits—which is often complicated when death occurs in another country—IBP benefit processing begins within two business days after AFSPA receives official notice of death from the employee’s agency.
- Lower premiums: $2.00 or $2.55 per pay period
- Must be employed at eligible agency
- Apply anytime
- Beneficiary Advocate benefit is included to assist designated beneficiaries with funeral, estate, and financial planning as well as access to 24/7 grief counseling at the time of claim
Note: This plan is exclusively available only to active duty, U.S. citizen, direct-hire Foreign Service and Civil Service employees of the agencies below. This plan is NOT available to contractors.
- Department of State
- U.S. Agency for International Develpment
- U.S. Agency for Global Media (formerly Broadcasting Board of Governors)
- Foreign Agricultural Service
- U.S. and Foreign Commercial Service (Foreign Service employees only)
| Immediate Benefit Plan Premiums |
|---|
| BENEFIT AMOUNT | Benefit Amount (Age 70 & over) | Cost (per pay period) |
|---|---|---|
| $15,000 | $7,500 | $2.00 |
| $20,000 | $10,000 | $2.55 |
The premium for this plan is made via a payroll deduction. Your enrollment in this plan will terminate at retirement, resignation, or involuntary separation from the eligible agency or your conversion to Civil Service for U.S. and Foreign Commercial Service members.
| This coverage is not available in the following states: MT, NH, WA, & PR |
|---|
Immediate Benefit Plan coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241 Contract Series: 83500
1081554-00001-00
Senior Term Life
Our newest life insurance product, designed specifically to care for final expenses
Senior Term Life provides essential life insurance coverage for members at a time when obtaining such coverage can be more challenging. With up to $25,000 in coverage for members aged 65-74, this plan helps ensure that your loved ones are not burdened with financial stress during an already difficult time.
Even if you already have a life insurance policy, this additional coverage can be used to help cover final expenses or outstanding debts, or as a gift to family or charity after you are gone.
- Can help supplement an existing life insurance policy or can be purchased as a stand-alone plan
- Two benefit amounts: $15,000 or $25,000
- Optional coverage for your spouse or domestic partner, limited to 50% of the member’s coverage
- Provides beneficiaries with cash on hand while your estate is being settled
- Beneficiary Advocate services to assist with funeral, estate, and financial planning as well as grief counseling at the time of claim
Note: This plan is exclusively available to AFSPA members ages 65-74.
| Senior Term Life Monthly Premiums |
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| Member Rates | Spouse Rates |
|---|---|
| Member Age | $15,000 | $25,000 | Member Age | $7,500 | $12,500 |
|---|---|---|---|---|---|
| 65-69 | $40.95 | $68.25 | 65-69 | $20.51 | $34.18 |
| 70-74 | $82.20 | $137.00 | 70-74 | $41.06 | $68.44 |
Prudential offers a Life Insurance Estimate Calculator to help you determine a coverage amount that best fits your current financial needs.
| Use the calculator below to see what your premium will be |
|---|
| Monthly Premium Amount: | |
| Quarterly Premium Amount: | |
| Semi Annual Premium: | |
| Annual Premium: |
| This coverage is not available in the following states: MT, NH, WA, & PR |
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Certain services may not be available in all states or market segments. GuidanceResources® EstateGuidance® FinancialPoint® FinancialPoint Plus® Prudential Beneficiary AdvocateSM and IDResources® are optional services. These services are provided by ComPsych® Corporation and FinancialPoint® Corporation, respectively. Prudential is not responsible for the services provided by ComPsych® Corporation or FinancialPoint® Corporation but helps coordinate billing for these services with its premium billing.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500
1081554-00001-00
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