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ACS Group Life Insurance

 

What are your life's most important elements?

For most people, family tops the list—yet roughly 40% of families are without life insurance.* How would your loved ones cope with the financial hardship if a primary provider passed away?

ACS is here to help. Our Group Term, Group 10-Year, and Group 20-Year Level Term Life Insurance plans are all designed to safeguard your loved ones from monetary instability—allowing them to help continue living comfortably after you're gone.

To figure out which plan best protects your life's elements, use our insurance needs calculator. Or, you can get started right away by applying now.

*"Peace of Mind: Now and in Retirement." Secure Family. Secure Family, April 2016. Web. 28 December 2016.



Plan Details

Plan Highlights

ACS Group Term Life Insurance offers coverage amounts of $25,000 to $2,000,000, plus features1 such as:

  • Portable coverage, allowing you to keep your policy even if you switch jobs2
  • Guaranteed renewability
  • Automatic $15,000 of accidental death and dismemberment coverage for members
  • Disability benefit
  • Competitive rates made possible through group purchasing
  • Inflation guard option

1Certain state eligibility restrictions apply
2As long as you pay your premiums when due, maintain your ACS membership, and the Group Policy remains in force.

Eligibility

All ACS members and society affiliates who reside in the U.S.* (except territories), Canada (except Quebec), or Puerto Rico may apply for basic term life ($25,000) protection. ACS members and their spouse/domestic partner, under age 70, may apply for coverage up to $2,000,000 (in $5,000 increments); spouse coverage may not exceed member benefits. All unmarried, dependent children under age 30 are also eligible for coverage: $7,500 for children 1 year and older, and $400 for children under 1 year.

A dependent who is also an ACS member is eligible for either member or dependent coverage, but not both. If both spouses/domestic partners are covered as members, neither may insure the other as spouse/domestic partner and only one may insure any eligible children.

The aggregate maximum amount of life insurance in force for all New York Life ACS Group Life Insurance policies may not exceed $2,000,000 per insured individual.

Plan Highlights

ACS Group 10-Year Level Term Life Insurance plan features:1

  • Portable coverage, allowing you to keep your policy even if you switch jobs2
  • Benefit options from $100,000 to $2,000,000
  • Guaranteed rates and benefits for the initial 10-year term
  • Accelerated death benefit3, allowing you to receive cash advances from your policy when diagnosed with a terminal illness
  • Volume discounts
  • Lower rates for non-smokers

1Must be eligible. Subject to certain terms and limitations.
2As long as you pay your premium when due, maintain your ACS membership, and the Group Policy remains in force.
3Accelerated death benefit is not available to residents of Massachusetts.

Eligibility

All ACS members and society affiliates, under age 65, and their lawful spouse/domestic partner, under age 65, residing in the U.S.* (except territories), Puerto Rico, or Canada (except Quebec), and all unmarried dependent children under 26 are eligible to apply for coverage. In order to become insured, individuals must be a member of the American Chemical Society, provide satisfactory evidence of insurability, and pay the required premium. A dependent who is also a member is eligible for either member or dependent coverage, but not both. If both the member and spouse/domestic partner are covered as members, neither may insure the other as spouse/domestic partner and only one may insure any eligible children.

*Certain state restrictions apply

Plan Highlights

ACS Group 20-Year Level Term Life Insurance plan features:1

  • Portable coverage, allowing you to keep your policy even if you switch jobs2
  • Benefit options from $100,000 to $2,000,000
  • Guaranteed rates and benefits for the initial 20-year term
  • Accelerated death benefit3, allowing you to receive cash advances from your policy when diagnosed with a terminal illness
  • Volume discounts
  • Lower rates for non-smokers

1Must be eligible. Subject to certain terms and limitations.
2As long as you pay your premiums when due, maintain your ACS membership, and the Group Policy remains in force.
3Accelerated death benefit is not available to residents of Massachusetts.

Eligibility

All ACS members and society affiliates, under age 55, and their lawful spouse/domestic partner, under age 55, residing in the U.S.* (except territories), Puerto Rico, or Canada (except Quebec), and all unmarried, dependent children under 26 are eligible to apply for coverage. In order to become insured, individuals must be a member of the American Chemical Society, provide satisfactory evidence of insurability, and pay the required premium. A dependent who is also a member is eligible for either member or dependent coverage, but not both. If both the member and spouse/domestic partner are covered as members, neither may insure the other as spouse/domestic partner and only one may insure any eligible children.

*Certain state restrictions apply

Carrier

Underwritten by New York Life Insurance Company on Policy Form GMR-G29200, G29204, and G29205/FACE. Complete details, including features, costs, eligibility, renewability, limitations and exclusions are in the Certificate of Insurance. Certain state restrictions apply.