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Level Term Life Insurance

The NYSUT Member Benefits Trust-endorsed Level Term Life Insurance Plan provides benefits you can depend on for up to 20 years*, with premiums that are not scheduled to go up and benefit options that will not go down. The plan provides benefits up to $1 million, if under age 65.

Benefit Features:

  • Choose the length of term that’s right for you, with 10-, 15- and 20-year options available
  • Comprehensive insurance protection – 24 hours a day, 365 days a year – even if you change jobs or retire
  • Coverage for you or your lawful spouse or certified domestic partner
  • Accelerated benefits if you or your insured lawful spouse or certified domestic partner should be diagnosed as terminally ill
  • 15 percent discount for members who are eligible for, and choose to pay through, payroll deduction

Coverage may not be available in all states.

*You and your spouse (or certified domestic partner) are eligible for the 20-year plan if under age 55, the 15-year plan if under age 60 and the 10-year plan if under age 65.


Level Term Life Insurance offers premiums that will not increase for the length of term you select. Your premium will remain level and your benefit amount will not decrease during the initial term due to your age or health status. (The insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy.)

Benefit features of the Member Benefits-endorsed Level Term Life Insurance Plan:

  • Select the Length of Term that Best Fits Your Situation – 10-, 15- or 20-year options are available.
  • Up to $1 Million Available… at an Economical Price! With this plan, you and your family have access up to $1 million of level term life protection, if under age 65.
  • The Plan features Accelerated Benefits – With the Accelerated Benefits Provision, you can decide to receive up to 60 percent of your life insurance benefit before death if you are under age 70 and are diagnosed as terminally ill with less than 12 months to live. These Accelerated Benefits may prove to be essential to pay for final medical costs, or to maintain the financial security of your family during a terminal illness.
  • Discounted Rates for Payroll Deduction – If your local association has made arrangements for payroll deduction of Member Benefits-endorsed programs, you and your lawful spouse or certified domestic partner both qualify for this convenient way to pay your premiums. Likewise, if you are retired and are collecting a monthly pension benefit from NYSTRS, NYSERS, NYCTRS or NYCBERS, or if you are collecting a monthly annuity payment from TIAA-CREF, you and your lawful spouse or certified domestic partner qualify for the convenience of pension deduction. Premiums will automatically be deducted from the NYSUT members paychecks  over 20 or 26 pay periods or from 12 monthly pension benefits. No checks to write… no payments to remember. Everything is handled automatically for you.
    The special payroll deduction feature includes a 15 percent discount on your premiums.
    If NYSUT Member Benefits payroll or pension deduction is not available to you, the other payment options are:
    • Individual billing on a semiannual basis
    • Monthly re-occurring payments deducted from your checking account
    • Monthly re-occurring payments deducted from your credit card

Please read the materials for complete details, including rates and eligibility. NYSUT members, agency fee payers and their lawful spouses (or certified domestic partners) under age 65 are eligible to apply. Your age determines the length of term you may apply for under The United States Life's Level Term Life Insurance Plan. An ex-spouse will need to purchase Associate Membership through NYSUT to continue his or her coverage.

NYSUT Member Benefits Trust Disclosure Notice

United States Life’s Level Term Life Insurance Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 7.61% of earned premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.

Agency fee payers to NYSUT are eligible to participate in Member Benefits-endorsed programs.

Underwritten by:

This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-610,410, G-610,411 and G-610,412, Form No. G-19000. Coverage may vary or may not be available in all states.

The underwriting risks, financial and contractual obligations and support functions associated with products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.


Answers about the plan, including eligibility, options, enrollment, customer service and more.

To apply, download an application by going to the Applications & Brochures section located on the top right-hand corner of this page and select your state from the drop down menu.
Issuance of this policy is handled through the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you’d like. Please click the Contacts section for the toll-free number.
You will have 30 days from the date of receipt to review the Certificate of Insurance. If you are not satisfied with the terms of the certificate, simply return it to the Program Administrator and any premiums paid will be refunded in full.

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
PO Box 9186
Des Moines, IA 50306-9186

Phone: 1-888-386-9788
9 a.m. to 9 p.m. Eastern, Monday-Friday and
9 a.m. to 6 p.m. Eastern, Saturday and Sunday


Our Role & Compensation

Details of Mercer disclosure of the compensation.

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