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Term Life

How secure is your family's future?

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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


















































Policy form GPNP08-TRUST

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.

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.


If you submit a request for insurance (Statement of Health form) we will evaluate it. We will review the information you give to us and we may confirm it or add to it in the ways explained below.

This Privacy Notice is given to you on behalf of these companies:

Metropolitan Life Insurance Company, Paragon Life Insurance Company

Please read this Privacy Notice carefully. It describes in broad terms how we learn about you and how we treat the information we get about you. (If anyone else is to be insured, what we say here also applies to information about him or her.) We are required by law to give you this notice.

Why We Need to Know About You: We need to know about you (and anyone else to be insured) so that we can provide the insurance and other products and services you've asked for. We may also need information from you and others to help us verify identities in order to prevent money laundering and terrorism.

What we need to know includes address, age and other basic information. But depending on the type of product or insurance, we may need more information. This may include information about your finances, employment, health, hobbies or business conducted with us, with other MetLife companies (our "affiliates") or with other companies. Our affiliates currently include car and home insurers, securities firms, broker-dealers, a bank, a legal plans company and financial advisors.

How We Learn About You: What we know about you (and anyone else to be insured) we get mostly from you. But we may also have to find out more from other sources in order to make sure that what we know is correct and complete. Those sources may include adult relatives, employers, consumer reporting agencies, health care providers and others. Some of our sources may give us reports and may disclose what they know to others. We may ask for medical information about you from these sources. The Authorization that you sign when you request insurance permits these sources to tell us about you. So we may, for instance:

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 your finances, employment, hobbies, mode of living, work history, and driving record.

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 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., P.O. Box 105, Essex Station, Boston, MA 02112, by calling MIB at (866) 692-6901 (TTY (866) 346-3642 for the hearing impaired), or by contacting MIB at www.mib.com.

How We Protect What We Know About You: We take steps we consider reasonable to make sure that what we know about you is treated confidentially. For example, our employees are told to take care in handling your information. They may get information about you only when there is a good reason to do so. We also take steps to make our computer databases secure and to safeguard the information we have about you.

2 CPN-Inst - SOH-2006

How We Use and Disclose What We Know About You

We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:

Help us evaluate your request for a product or service

Help us process claims and other transactions

Confirm or correct what we know about you

Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you

Help us comply with the law

Help us run our business

Process data for us

Perform research for us

Audit our business

When we disclose information to others to perform business services for us, they are required to take appropriate steps to protect this information. And they may use the information only for the purposes of performing those business services. Other reasons we may disclose what we know about you include:

Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena

Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company

Giving information to the government so that it can decide whether you may get benefits that it will have to pay for

Telling a group customer about its members' claims or cooperating in a group customer's audit of our service

Telling your health care provider about a medical problem that you have but may not be aware of

Giving your information to a peer review organization if you have health insurance with us

Giving your information to someone who has a legal interest in your insurance, such as someone who lent you money and holds a lien on your insurance or benefits

Generally, we will disclose only the information we consider reasonably necessary to disclose.

We may use what we know about you in order to offer you our other products and services. We may share your information with other companies to help us. Here are our other rules on using your information to market products and services:

We will not share information about you with any of our affiliates for use in marketing its products to you, unless we first notify you. You will then have an opportunity to tell us not to share your information by "opting out."

Before we share what we know about you with another financial services company to offer you products or services through a joint marketing arrangement, we will let you "opt-out."

We will not disclose information to unaffiliated companies for use in selling their products to you, except through such joint marketing arrangements.

We will not share your health information with any other company, even one of our affiliates, to permit it to market its products and services to you.

How You Can See and Correct Your Information: Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If the law allows us to do so, we may disclose what we know about your health only through your health care provider. If you tell us that what we know about you is incorrect, we will review it. If we agree with you, we will correct our records. If we do not agree with you, you may tell us in writing, and we will include your statement when we give your information to anyone outside MetLife.

You Can Get Other Material from Us in addition to any other privacy notice we may give you, we must give you a summary of our privacy policy once each year. You may have other rights under the law. If you want to know more about our privacy policy, please visit our website, www.metlife.com, or write to your MetLife Insurance Company, c/o MetLife Privacy Office - Inst, P.O. Box 489, Warwick, RI 02887-9954. When writing to us, please identify the specific product or service you are writing about.

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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