Group Term Life Insurance Plan
No Medical Exam for Coverage Amounts of Up to $250,000
The MCA understands your dedication to providing for the future of your loved ones. Since we're Committed to the Corps, we offer group term life insurance through our Member Insurance Program… to help provide the best products to protect your family's future. After all, life can be unpredictable, and the unexpected can occur at any time.
Why Choose MCA Group Term Life Insurance?
You have many choices for life insurance, but here's why you should consider MCA's policy:
- Negotiated rates: We leverage MCA's group buying power to bring you specially negotiated rates
- Portable policies: Your policy stays with you even if you change jobs.1
- Straightforward service: Our knowledgeable insurance representatives can help you with options and insurance jargon, as well as with filling out your application and more
- Loyal organization: MCA is committed to you—we seek to provide the best products to help protect you and your loved ones
- Trustworthy carrier: Our term life insurance plan is underwritten by The Hartford, a leading provider of life and disability insurance products2
And there's no better time to apply for a policy. If you're under the age of 65, you can qualify for simplified issuance, with no medical exam!
1 As long as you remain an MCA member, pay premiums when due, and the group policy remains in force.
2 The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at http://www.thehartford.com.
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SIMPLIFIED ISSUE Term Life Insurance (Coverage up to $250,000*)
New plan available with enhanced benefits
Simplified issue=no medical exam (only 3 medical questions)
Group rates specially negotiated for MCA members
Knowledgeable insurance experts ready to assist you
Download and mail your application.
Need More Protection?
If you need more coverage for your loved ones, MCA leverages the group's buying power to bring you economical rates on standard, fully underwritten insurance too.
STANDARD ISSUE Term Life Insurance (Fully Underwritten)
Up to $500,000* of coverage for eligible members under age 60
Up to $250,000 of coverage for eligible members over the age of 19 but under the age of 65
Coverage specialists help simplify insurance
Download and mail your application.
Coverage is not available in all states.
*Benefits reduce by 50% on the premium due date on or after the next date following the insured's 65th birthday.
Plan Highlights
- Annually renewable, meaning you can renew coverage each year without a physical exam 1
- Coverage amounts from $25,000 up to $500,000 2
- Spouse/domestic partner coverage available
- Living benefit option allows you to receive a portion of your life insurance benefit while you're still living if you're diagnosed with a terminal illness3
- Simplified issue coverage ($25,000 up to $250,000) available for members over the age of 19 but under age 65
Want more details?
Download the MCA Group Term Life Insurance brochure.
1 As long as you remain an MCA member, pay premiums when due, and the group policy remains in force.
2 Benefits reduce by 50% on the premium due date on or after the next date following the insured's 65th birthday.
3 Terminal Illness or Terminally Ill means a life expectancy of 12 months or less.
Plan Rates
STANDARD & SIMPLIFIED ISSUE (MONTHLY GROUP RATES per $1,000)
Member and Spouse Term Life Rates*| Age | Male | Female |
|---|---|---|
| < 30 | $0.11 | $0.05 |
| 30-34 | $0.12 | $0.07 |
| 34-39 | $0.14 | $0.10 |
| 40-44 | $0.21 | $0.14 |
| 45-49 | $0.32 | $0.24 |
| 50-54 | $0.47 | $0.42 |
| 55-59 | $0.85 | $0.72 |
| 60-64 | $1.22 | $0.90 |
| 65-69 | $2.00 | $1.33 |
| 70-74 | $3.27 | $2.08 |
| 75-79 | $5.91 | $4.01 |
| 80-84 | $11.35 | $7.43 |
| 85-89 | $19.30 | $12.14 |
*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.
RESOURCES (including details on eligibility, termination, exclusions, and limitations)
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1985 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 Insurance is the Plan Administrator and insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Issuance Company for the benefit of the Group Policyholder.
221749-WEB
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