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Term Life Insurance Plan

If you're like many other AFT Members, you already have some life insurance. But if you're relying on coverage through work, you may not have enough protection to take care of your family.

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Affordable Group Rates

Voluntary Group Term Life Insurance Rates

Cost per $1,000 of coverage per month


For Coverage Amount Under $100,000

For Coverage Amount $100,000 and Higher






Under 25


















































Rates are subject to change. Rates shown are the monthly term life premiums for males/females. Other payment modes are available, please contact your plan administrator for a full list of ages, rates and benefit amounts. Rates increase at the 5-year intervals. Coverage can be continued up to age 70 of member.

1Age is the participant's age as of last birthday.

Optional Accidental Death & Dismemberment Rider is available at an additional $0.017 per $1,000 of coverage per month.

Rates are the same for the Member's Spouse or Domestic Partner. Coverage terminates at age 70 of Member.

Dependent Coverage

Coverage Amount:

Option 1

Option 2

Option 3




Monthly Premium:2




2 Your monthly premium covers all eligible children.

How to Calculate Your PREMIUM:
(Cost from your age bracket) x (# of Units) = Monthly Premium
Example: Age 32, Non-Smoker
Amount of coverage desired: $50,000
$0.10 x 50 (units) = $5.00 per month

How to Calculate Your PAYMENT OPTIONS:
Example: Quarterly payments: (monthly premium) x 3 = Quarterly payment
$5.00 x 3 = $15.00
Semi-annual payments: (monthly premium) x 6 = Semi-annual payment $5.00 x 6 = $30.00
Annual payments: (monthly premium) x 12 = Annual payment $5.00 x 12 = $60.00

Call 1-888-423-8700 for more information.


Policy form GPNP08-TRUST


Privacy Notice

We know that you buy our products and services because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers. “Personal information” as used here means anything we know about you personally.

1. Plan Sponsors and Group Insurance Contract Holders
This privacy notice is for individuals who apply for or obtain our products and services under an employee benefit plan, group insurance or annuity contract, or as an executive benefit. In this notice, “you” refers to these individuals.

2. Protecting Your Information
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.

3. Collecting Your Information
We typically collect your name, address, age, and other relevant information. We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates include life, car, and home insurers. They also include a legal plans company and a securities broker-dealer. In the future, we may also have affiliates in other businesses.

4. How We Get Your Information
We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don’t control the accuracy of information outside sources give us. If you want to make any changes to information we receive from others about you, you must contact those sources. We may ask for medical information. The Authorization that you sign when you request insurance permits these
sources to tell us about you. We may also, at our expense:

  •  Ask for a medical exam
  •  Ask for blood and urine tests
  •  Ask health care providers to give us health data, including information about alcohol or drug abuse

We may also ask a consumer reporting agency for a “consumer report” about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about:

  • Reputation
  • Driving record
  • Finances
  • Work and work history
  • Hobbies and dangerous activities

The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.

Another source of information is MIB Group, Inc. (“MIB”). It is a non-profit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company, MIB will give that company any information that it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you. You may do so by writing to MIB, Inc., 50 Braintree Hill, Suite 400, Braintree, MA 02184-8734, by calling MIB at (866) 692-6901, or by contacting MIB at

5.Using Your Information
We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to:

  • administer your products and services 
  • process claims and other transactions
  • perform business research
  • confirm or correct your information
  • market new products to you
  • help us run our business
  • comply with applicable laws

6.Sharing Your Information With Others
We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor. Before sharing your information with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out.
Other reasons we may share your information include:

  • doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas)
  • telling another company what we know about you if we are selling or merging any part of our business
  • giving information to a governmental agency so it can decide if you are eligible for public benefits
  • giving your information to someone with a legal interest in your assets (for example, a creditor with a lien or your account)
  • giving your information to your health care provider
  • having a peer review organization evaluate your information, if you have health coverage with us
  • those listed in our “Using Your Information” section above

We will not share your health information with any other company – even one of our affiliates – for their own marketing purposes. The Health Insurance Portability and Accountability Act (“HIPAA”) protects your information if you request or purchase dental, vision, long-term care and/or medical insurance from us. HIPAA limits our ability to use and disclose the information that we obtain as a result of your request or purchase of insurance. Information about your rights under HIPAA will be provided to you with any dental, vision, long-term care or medical coverage issued to you. You may obtain a copy of our HIPAA Privacy Notice by visiting our website at For additional information about your rights under HIPAA; or to have a HIPAA Privacy Notice mailed to you, contact us at, or call us at telephone number (212) 578-0299.

8. Accessing and Correcting Your Information
You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably locatable and retrievable. You must make your request in writing listing the account or policy numbers with the information you want to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law. If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone outside MetLife.

9. Questions
We want you to understand how we protect your privacy. If you have any questions or want more information about this notice, please contact us. When you write, include your name, address, and policy or account number.

Send privacy questions to:
MetLife Privacy Office
P. O. Box 489
Warwick, RI 02887-9954

We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide this privacy notice to you on behalf of the MetLife companies listed at the top of the first page.

Supplemental Life and Supplemental AD&D Exclusions

For Supplemental Life
If You commit suicide within 2 years from the date Life Insurance for You takes effect, We will not pay such insurance and Our liability will be limited as follows:

  •  any premium paid by You will be returned to the Beneficiary; and
  •  any premium paid by the Policyholder will be returned tol the Policyholder.

If You commit suicide within 2 years from the date an increase in Your Life Insurance takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder.

For Dependent Life
If a Dependent commits suicide within 2 years from the date Life Insurance for such Dependent takes effect, We will not pay such insurance and Our liability will be limited as follows:

  •  any premium paid by You will be returned to the Beneficiary; and
  •  any premium paid by the Policyholder will be returned to the Policyholder.

If a Dependent commits suicide within 2 years from the date an increase in Life Insurance for such Dependent takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder.

EXCLUSIONS (See notice page for residents of Missouri)
We will not pay benefits under this section for any loss caused or contributed to by:
1. physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity;
2. infection, other than infection occurring in an external accidental wound or from food poisoning;
3. suicide or attempted suicide;
4. intentionally self-inflicted injury;
5. service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country;
6. any incident related to:

  •  travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger;
  •  travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight;
  •  parachuting or otherwise exiting from an aircraft while such aircraft is in flight, except for selfpreservation;
  •  travel in an aircraft or device used:
  •  for testing or experimental purposes;
  •  by or for any military authority; or
  •  for travel or designed for travel beyond the earth’s atmosphere;

7. Committing or attempting to commit a felony;
8. the voluntary use of illegal drugs; the intentional taking of over the counter medication not in accordance with recommended dosage and warning instructions; and intentional misuse of prescription drugs; or
9. war, whether declared or undeclared; or act of war, insurrection, rebellion or active participation in a riot.

Exclusion for Intoxication
We will not pay benefits under this section for any loss if the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident.
Intoxicated means that the injured person’s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred.



Privacy Policy

Statement of Health

Endorsed By:

Administered by:
AGIA Insurance Services, Inc.
P.O. Box 47060
Phoenix, AZ 85068


A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. J. Christopher Burke California Agent license number is 0F70947. J. Christopher Burke Arkansas Agent license number is 1446907.

Coverage is not available in all states. Please contact AGIA for additional details.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for completed details.

The AFT+ Supplemental Life Insurance, Dependent Life Insurance, and Supplemental Accidental Death and Dismemberment Insurance is underwritten by:

Metropolitan Life Insurance Company
200 Park Avenue, New York, NY 10166
Group Policy Number 119160-1G

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