Senior Term Life Insurance

How to Access Member Benefits:

This benefit is only available to members of AFGE. If you are a member of AFGE, please login to the Members Only section. If you are not a member, but would like to find out how to become one, please visit the Join AFGE section.

With Senior Term Life Insurance, AFGE members have a range of coverage options to fit their budget. And a "living benefit" feature allows the insured to collect benefits and pay no monthly life insurance premium during a terminal illness. 

Unlike other term life insurance programs there's no termination age and no medical exam required. Your insurance premium is waived if you are ever confined to a nursing home.  

Benefit Eligibility: 

  • Available to active and retired members ages 55 - 74.
  • Available to spouses/domestic partners ages 55 - 74. 

Policy Form # SRP-1153 A (HLA)(1661) 

Features of this Benefit: 

  • Choose your level of protection: benefits paying from $5,000 - $25,000
  • Pays in addition to any other benefits you may have.
  • Coverage without re-application or underwriting.
  • No medical exams are required.
  • Premiums are waived if you become terminally ill or become nursing home confined.
  • Pays benefits for loss of life by accident or illness anywhere in the world.
  • Your benefits will not reduce until age 80. The reduced coverage is $5,000 which remains consistent even if you live to be more than 100 years old. 
  • Your Spouse or domestic partner is eligible to apply.
  • No-cost living benefits: Receive up to 50% payout of your life insurance benefit if you suffer a terminal illness. This allows you to get up to 50% of your benefit money when you need it the most. (And this benefit is available to you until 80 years of age.) 

Geographic Restrictions 

This product is currently unavailable to Oregon residents.


Toll-free Benefits Line:
(888) 844-2343

Programs are subject to change.

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