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 help 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,2 a leading provider of life and disability insurance products

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!3

1As long as you remain an MCA member, pay premiums when due, and the group policy remains in force.
22The 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 www.thehartford.com.
3The issuance of the insurance coverage may depend on the answers to the health questions stated in the application.


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

Choose your state to download the appropriate application:



Download, print, and mail your completed application to the address listed in the application.

This insurance product may not be available in all states and U.S. territories, including AK, Guam, ID, MT, NH, OR, PR, and WA.

You may apply for this insurance product in the following states soon: CT, IN, KS, ME, MA, MO, NE, NJ, NM, NY, UT, VT

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 $200,000* of coverage for eligible members ages 60 through 64
Coverage specialists help simplify insurance

Choose your state to download the appropriate application:



Download, print, and mail your completed application to the address listed in the application.

This insurance product may not be available in all states and U.S. territories, including AK, Guam, ID, MT, NH, OR, PR, and WA.

You may apply for this insurance product in the following states soon: CT, IN, KS, ME, MA, MO, NE, NJ, NM, NY, UT, VT

Are You Leaving Active Duty?

As an active-duty service member leaving the military soon, you may be concerned about maintaining your family's security. MCA understands the importance of maintaining that protection too. After all, life is ever-changing, and the unexpected can occur at any time.

Remember, your Servicemembers Group Life Insurance (SGLI) coverage will continue for 120 days after you leave the military service. After that, MCA can help protect the security of your loved ones with $100,000* of guaranteed issue*** coverage. This plan can help pick up the protection when your SGLI ends.

GUARANTEED ISSUE*** Term Life Insurance (No Medical Exam or Health Questions)

$100,000* coverage for eligible members under age 45
Exclusively offered to MCA members
Available if you were honorably discharged within the last 60 days
Helps provide financial support for your loved ones in case of the unexpected

Download and mail your enrollment form .


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.
**The issuance of the insurance coverage may depend on the answers to the health questions stated in the application.
***This coverage is guaranteed issue, but we reserve the right to decline an eligible member's enrollment for this benefit. See brochure for eligibility details.

Plan Highlights

  • Annually renewable, meaning you can renew coverage each year without a physical exam1
  • Spouse/domestic partner coverage available for simplified issue and standard issue
  • Simplified issue coverage ($25,000 to up to $250,0002) available for members over the age of 19 but under age 65
  • Standard issue coverage ($25,000 up to $500,0002) available for members over the age of 19 but under age 60
  • 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
  • Guaranteed issue coverage ($10,000 to up to $100,000) available for members under age 45 who have been honorably discharged within the last 60 days4

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

1As long as you remain an MCA member, pay premiums when due, and the group policy remains in force.
2Benefits reduce by 50% on the premium due date on or after the next date following the insured's 65th birthday.
3Terminal Illness or Terminally Ill means a life expectancy of 6 months or less.
4This coverage is guaranteed issue, but we reserve the right to decline an eligible member's enrollment for this benefit. See brochure for eligibility details.

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
35-39 $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
Children: $0.69

*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.

Rates and/or benefits may be changed on a class basis.
The insured person's total amount of life insurance will be reduced by 50% on the Premium Due Date on or next following the date he or she attains age 65, with an appropriate adjustment in premium.

Plan Rates

GUARANTEED ISSUE (MONTHLY GROUP RATES per $1,000)

Member Only Monthly Term Life Rates*
Age Male Female
< 30 $0.22 $0.11
30-34 $0.22 $0.14
35-39 $0.28 $0.21
40-44 $0.41 $0.30
45-49 $0.66 $0.49
50-54 $1.00 $0.84
55-59 $1.86 $1.59
60-64 $3.19 $2.50
65-69 $5.40 $3.78
70-74 $8.62 $5.91
75-79 $14.32 $9.36
80-84 $24.27 $15.57
85-89 $39.80 $25.84

*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.

Rates and/or benefits may be changed on a class basis.
The insured person's total amount of life insurance will be reduced by 50% on the Premium Due Date on or next following the date he or she attains age 65, with an appropriate adjustment in premium.


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 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.

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