Death Benefit Program

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.

The Death Benefit program is a group term life insurance policy that covers current dues-paying members in a participating AFGE Local. It pays double the amount (listed below) in the event of accidental death or dismemberment. This program is underwritten by the Union Labor Life Insurance Company.

Individuals cannot obtain this benefit; it is only available to all members of a Local that has elected to provide this benefit to all their members by way of constitutional amendment. Each Local determines the number of units.


You are eligible to participate in the Life Insurance and Accidental Death & Dismemberment (AD&D) Plan if:

  • You belong to an insured Local;
  • Are under the age of 71; and.
  • Have active duty status.

Note: If you do not have active duty status upon joining an insured Local, you will become an eligible member when active duty status is resumed. 

Age        Coverage
Under 35 2,200
35-49 $1,700
50-59  $1,200
60-69    $1,000
70+ $1,000


Some locals have increased this base amount, please check with your local Secretary/Treasurer to determine benefits payable.

What is the Cost of this Benefit?

The AFGE insured Local provides this coverage at no cost to you.

Termination of Coverage:

Your Life and AD&D insurance will end when one of the following occurs:

  • You cease to be a member in good standing
  • The plans are terminated

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

Programs are subject to change.

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