Group Senior Term Life Insurance Plan


MCA is Committed to the Corps, and we understand the importance of helping to protect your family's financial future. Now, with MCA's Group Senior Term Life Insurance Plan, you can leave a final gift of up to $25,000 to your loved ones in their time of loss.

If you're between the ages of 50 and 74, this policy is guaranteed—which means no medical exam is required. Plus, you can't be turned down for any reason—even if you have prior health conditions!

Life insurance is a key element in feeling financially secure. Among insureds, 68% feel secure, compared with 47% of non-insureds.

"2022 Insurance Barometer Study Reveals the Secret to Financial Security Is Owning Life Insurance." Life Happens, 25 April 2022, Viewed 23 June 2023.

Imagine what $25,000 could do for your loved ones... this money could pay final arrangements, offset lost retirement income, or cover estate and inheritance taxes. Perhaps it might help make tuition payments or leave a legacy to a favorite charity.


There are many reasons to choose a term life insurance plan, but this one may be especially appropriate for your stage of life. Perhaps you were denied for health reasons previously or you just put it off, and other policies seem to be prohibitive. Consider why this plan could work for you:

  • Guaranteed acceptance: No medical exam or health questions required.
  • Member-exclusive premiums: We leverage MCA's group buying power to bring you specially negotiated rates.
  • Top-notch customer service: Our knowledgeable insurance representatives can discuss the plan's details and help to complete the enrollment form.
  • Loyal organization: Backed by the MCA, we're committed to you and your family.
  • Trustworthy carrier: Our senior group term life insurance plan is underwritten by The Hartford,1 a leading provider of life and disability insurance products.


(No Medical Exam or Health Questions)

  • Up to $25,000 coverage for eligible members, ages 50–74
  • No medical exam or health questions required
  • Knowledgeable insurance representatives ready to assist you

Download and mail your enrollment form.

Enroll Now     Enroll Now - Louisiana

Coverage is not available in all states.


If more coverage is needed, MCA offers a standard issue Group Term Life insurance Plan for up to $500,000 (under age 65). This plan is fully underwritten and requires a medical exam.


  • Guaranteed issue coverage available for members, ages 50–74
  • $5,000 to $25,000 in benefits available (in $5,000 increments)
  • Spouse/domestic partner coverage available
  • No medical exam or health questions required

Want more details? Download the MCA Group Senior Term Life Insurance brochure.



Member and Spouse/Domestic Partner Senior Term Life Rates**

Attained Age Male Female
50–54 $10.37 $8.65
55–59 $16.59 $13.74
60–64 $27.47 $20.03
65–69 $43.57 $29.91
70–74 $67.95 $46.00
75–79 $119.03 $79.77
80–84* $204.35 $140.97
85–89 $360.20 $239.44

*On the premium due date or on next following the date the insured attains age 80, if the insured's life insurance benefit amount is greater than $5,000, it will reduce to $5,000, with an appropriate adjustment in premium.

**Premiums are based on each covered person's gender and age at time of issuance and when the covered person attains a new age bracket.

GRADED DEATH BENEFIT: During the first two years of coverage, the benefit payable for death due to sickness will be the premiums paid plus interest.

Rates and/or benefits may be changed on a class basis.

1The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford's legal notice at

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1986 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.

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

Pearl is the Plan Administrator and insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. This is a participating group policy under which dividends and/or experience credits may be paid to Marine Corps Association.