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Term Life Insurance
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Term life insurance provides coverage for a specific period of time. The NYSUT Member Benefits Trust-endorsed Term Life Insurance Plan provides benefits up to $1 million, if under age 65.

Benefit Features:

  • Comprehensive insurance protection – 24 hours a day, 365 days a year – even if you change jobs or retire
  • Coverage for you, your lawful spouse or certified domestic partner and even your children
  • 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 or pension deduction

Coverage may vary and may not be available in all states.


Term insurance offers an important advantage over permanent life insurance … cost! The premium for a term policy is typically less than permanent life insurance. Why? Because term life insurance does not offer cash, loan or retirement income values. It provides “pure” insurance protection during the period your spouse and children depend heavily on your income.

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

  • Up to $1 Million Available…at an Economical Price! With this plan, you and your family have access up to $1 million of 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 or Pension 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 member’s 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.
    Special payroll or pension deduction features include 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 85 are eligible to apply. Your age determines the maximum amount of coverage you may apply for under United States Life's 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 Term Life Insurance Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 7.61% 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-233,615, 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.

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.
To apply, download an application by clicking on the Forms tab.
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.


To apply for Term Life Insurance coverage, please download an application & brochure located on the right side of the page.

Beneficiary Designation Form

Term Life Master Policy G-233,615

Term Life Certificate - Voluntary Plan

Term Life Rider -- Dependent Child(ren) Benefit for $25,000

Term Life Standard Vendor Endorsement Letter

Term Life Ex-Spouse Information

No-Cost Life for New NYSUT Members only Master Policy G-233,615

Term Life Certificate - No Cost New Member Plan

Sub-Standard Term Life Master Policy 233,713

NYSUT Member Benefits Trust Senior Term Life Name Change Rider

Senior Term Life Master Policy G-216,167 (No Longer Available)

NYSUT Member Benefits Trust Senior Term Life Name Change Rider

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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



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