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SEIU Group Term Life Insurance

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SEIU Group Term Life Insurance

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OVERVIEW

SEIU Group Term Life Insurance (GTL), issued by The Prudential Insurance Company of America is an affordable way to help replace income, pay medical bills and final expenses, or leave a legacy after your passing

  • checkAffordable group-discounted rates
  • checkFlexible coverage from $25,000 to $300,000
  • checkNo premiums if on strike for up to 90 days
  • check75% of your benefit can be paid while you’re alive1
  • checkOptional coverage for family members

How much life insurance does your family need?

Experts suggest having 10 times your annual salary in coverage.2 So even if your employer provides coverage, it may not be adequate.

Do you know what life insurance is and how much is enough? Watch this video and find out.

BENEFIT DETAILS

SEIU Group Term Life is often more affordable than individual life insurance and provides important coverage that can help protect your family from hardship

 

Affordable group-discounted rates for the whole family

Members, spouses, domestic partners and dependent children are all eligible for exclusive rates.3

Flexible coverage levels

Members are eligible for a range of coverage, from $25,000 to $300,000. There’s no long-term commitment. You decide how long you want coverage—and you can always increase or decrease it.4

Full benefits until 65

Once you’re approved, your coverage remains in place—even if your health changes. You can’t be dropped for health reasons. Premiums increase every five years, based on age.

75% paid with terminal illness

A majority of your benefit can be paid while you’re alive. If you become terminally ill, accelerated benefits can help your family with related expenses.1

Strike-waived premiums

You pay no premiums if you are out on strike, for up to 90 days. The SEIU Group Term Life Insurance Plan will waive your Life Insurance premium after the 31st day you are on strike until the date the strike ends or the date 90 days from the start of the strike, whichever occurs first.

HOW TO GET THIS

How to apply for SEIU Group Term Life Insurance

Choose your coverage amount

Decide on the right amount of coverage for you and your family. Use these rate charts to determine how much a policy may cost based on your age and the coverage amount.

$25,000 Rate Chart
$50,000 Rate Chart
$100,000 Rate Chart
$150,000 Rate Chart
$200,000 Rate Chart
$250,000 Rate Chart
$300,000 Rate Chart 

Submit an application

  1. Make sure you’re signed in to your SEIU Member Benefits account.

    Apply for this insurance online, or by mailing/faxing a PDF application.
  2. Select the “Enroll Now” button above to launch the online application through Prudential’s secure portal. Depending on coverage amount, you may need to answer health questions for underwriting.

    OR

    Select the “Print an Application (PDF)” button above to print a PDF version of the application. Then, complete and mail/fax to the address at the top left corner of the document.
  3. Once approved, you will receive your coverage verification kit and hard copies of your certificate of coverage will be mailed to you for your records.
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FAQs

Have questions? See answers to frequently asked questions below or contact us at 1-844-836-7348.

SEIU Group Term Life Insurance (GTL), issued by The Prudential Insurance Company of America (Prudential), offers optional group term life insurance to all members in good standing. GTL features include flexible coverage levels from $25,000 to $200,000 (in $25,000 increments) in addition to benefit amounts of $250,000 and $300,000, with no set term limits.

For example, if a member purchases SEIU Group Term Life Insurance at age 32, they may keep it for as long as they want, provided they continue to pay their premiums and maintain membership. Premiums are based on your age at the time you initially enroll. The premiums will increase each time you enter into a different 5-year age bracket (which occur when you turn 35, 40, 45, 50, etc.).

Your full benefit is guaranteed not to decrease before you turn 65. Then, at age 65, when your need for life insurance has decreased, the benefit amount reduces to 75% of the initial amount, and at age 70 to 50% of the initial amount. Coverage terminates at age 75.

The Prudential Insurance Company of America is the carrier. Our over 50-year relationship with the company is based on a rigorous process of evaluating the marketplace to find the best products and services for SEIU members. You can count on Prudential’s experience to offer the quality and service you deserve.

It’s easy to apply for coverage. In most cases, to qualify you need to answer a few simple health questions about your medical history. Although medical exams are not typically required, it may be necessary depending on your medical history. You also must be an SEIU member to apply for and maintain coverage. Once you are covered, you don’t have to be concerned about losing your coverage as you get older or if your health changes.

SEIU members are eligible for a range of coverage—anywhere from $25,000 up to a maximum of $300,000.

Yes, coverage can be increased anytime; however, it will be subject to underwriting approval and cannot exceed $300,000. (Amounts vary depending on the age of the member.)

SEIU Group Term Life coverage is portable. As long as you remain an SEIU member and continue to pay your premiums when they are due, your coverage will remain in effect even if you change jobs or retire. Coverage terminates at age 75.

Thanks to the buying power of SEIU and our two million members, affordable rates have been negotiated for members and their spouses/domestic partners. Premiums are competitive across rate categories.

The rates for smokers are higher. For example, on a face amount of $200,000, a member 25 to 29 years old would receive a rate of $30.00 monthly versus $18.00 for a non-smoker in the same age bracket.

Yes, as long as the SEIU member has Group Term Life, coverage is available to the spouse (or domestic partner where permissible by law) of a member for up to 50% of the member’s coverage amount and to their children at flat coverage amounts of $5,000 or $10,000.

Yes, with the Accelerated Death Benefit Option, if you become terminally ill, you may elect to receive 75% of your life insurance coverage while you are still living. The money can be used for any purpose such as medical bills, outstanding debts or mortgage payments. This option will reduce your death benefit by 75%. To be eligible for this option, you must be diagnosed with a fatal illness and given 6 months or less to live.

The Accelerated Death 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. You may wish to seek professional tax advice before exercising this option.

Additional Information

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

SEIU has retained Members United Insurance Agency to manage Insurance Programs for its Members. Members United Insurance Agency is not affiliated with the Prudential Insurance Company of America.

1. Accelerated Death 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. You may wish to seek professional tax advice before exercising this option.

2. LIMRA. “2021 Insurance Barometer Study Reveals Common Misconceptions That Prevent Americans from Getting Life Insurance They Know They Need” April 12, 2021. https://www.limra.com/en/newsroom/news-releases/2021/2021-insurance-barometer-study-reveals-common-misconceptions-that-prevent-americans-from-getting-life-insurance-they-know-they-need/

3. Includes domestic partner or registered domestic partner. Spouse cannot enroll for coverage unless member also enrolls.

4. Subject to underwriting approval. Coverage cannot exceed $300,000.

The SEIU Group Term Life Insurance Plan 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. Contract Series: 83500. CA COA# 1179. NAIC# 68241.

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