10-Year Term Life Insurance

ATTENTION: If applying for Life or Disability as a California or New York resident please contact Hagan Benefits at 877-285-4445 or see the bottom of this page for a specified application.

The 10-Year Level Term Life Insurance Plan is designed to help meet the insurance needs of American College of Emergency Physicians members who wish to help provide financial stability to their loved ones after they are gone.

It provides 10 year-term life insurance coverage at an affordable group rate that is also guaranteed for 10 years at a time when life events such as paying for children's college education or paying the mortgage are of prime importance.

And coverage continues at group rates after the 10-year term is completed. Depending on your medical condition at the time, you can either re-enter into the 10-year level term program or obtain coverage under the group's yearly renewable term life program.

Coverage becomes effective on the first day of the following month of approval for each eligible person who pays the required premium for his or her coverage, becomes an Insured Person on his or her Certificate Effective Date.

ACEP members and spouses under the age of 65, who are residents of the United States are eligible to apply for this coverage.
Policy Age Limit is 65.
Benefit amounts of $50,000 to $250,000 are available (in $50,000 increments).
Coverage terminates only upon nonpayment of premium or the end of the 10-year coverage period.
Suicide within the first 2 years is not covered.
Rates for each insured entering the plan cannot be changed even on a class-wide basis and are guaranteed for 10 years subject to payment of premium.
Gender Specific/smoker/non-smoker rates apply, with annual, semi-annual, quarterly and monthly payment modes available.

Termination

Coverage will terminate on the earliest to occur of:

The Premium Due Date the required premium contribution is not made, subject to the Grace Period provision; or
the tenth anniversary of the certificate effective date shown in the schedule of benefits.

Non-Smoker Rates

A smoker is defined as a person who has smoked cigarettes, cigars or used a pipe or chewing tobacco, nicotine chewing gum or snuff during the 12 months prior to the date he or she applied for coverage.

Rate Sheet for Non-Smokers
MIB Notice

Apply Now or print a PDF and complete application and fax to 605-334-0556.

Attention CA and NY residents: You cannot apply online, instead please utilize the following PDF applications:
California Residents: Click Here
New York Residents: Click Here

Acceptance into this plan and premium rate is subject to medical evidence of insurability as determined by The Hartford and underwriting guidelines. As part of the evidence of insurability process, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at no expense to you.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Underwritten by:
Hartford Life and Accident Insurance Company
Simbury, CT 06089
Policy Form #SRP1153 A (HLA)(1016)

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.