Overview
At a Glance
Life insurance is protection for life without you. If the unthinkable happens, it helps provide financial security for your loved ones—covering daily living expenses, mortgage payments, and even college tuition. Help safeguard your family’s future with our Group Term Life Insurance Plan.
The Group Term Life Insurance Plan is designed to help provide you and your family sound financial protection at reasonable group rates.
Benefit Features:
- Choice of benefits
- Economical group rates
- Accelerated Death Benefits Provision allows you to use a portion of your benefit if a Terminal Illness is diagnosed
- Choice of beneficiary
- Spouse and children eligible for coverage
Review your cost of living regularly to be sure your life insurance is adequate. With the Group Term Life Insurance Plan it’s convenient to update your coverage.
This plan may not be available in all states.
Want More Information?
View the Forms section and download a no-obligation application and brochure containing detailed plan information including costs, exclusions, limitations, and terms of coverage.
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Eligibility
Where available
This program may vary and is not available in all states.
Notes
Each member under age 65, who is a citizen or legal resident of the United States, its territories and protectorates is eligible to apply for a minimum of $10,000 up to $250,000 of coverage (in $10,000 increments).
Details
Type of Insurance
Term Life Insurance
Designed for
AOTA members and their family
Underwritten by
Hartford Life and Accident Insurance Company
Policy form number
Life Form Series includes GBD-1000 A (10/08), GBD-1100 (10/08), or state equivalent.
Group Policy Number
AGL-1956
Issue Ages
Through age 64
Coverage Amounts
$10,000 up to $250,000 in $10,000 increments
Rate Schedule
Rates are based on member’s attained age and will increase as the member enters a new age bracket.
Nonsmoker Rates
Yes (no cigarettes, cigars or pipes, chewing tobacco, nicotine chewing gum or snuff in prior 12 months).
Spouse coverage amounts
$10,000 up to $250,000 in $10,000 increments
Children’s Insurance
Up to $5,000 for ages 6 months old to age 26 (children age 15 days to 6 months can be covered for $250)
Important Notes
This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Address
AMBA
4050 114th Street
Urbandale, Iowa 50322
Phone
Hours
Monday - Friday 8:15 AM - 5:00 PM CT
Underwritten by
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
Frequently Asked Questions
Answers about the program, including eligibility, options, customer service and more.
How much insurance can I purchase through this program?
You can apply for $10,000 up to $250,000 of coverage, in $10,000 increments.
Simplified Issue: 3 health questions, $10,000 – $150,000 (in $10,000 increments)
Standard Issue: Fully underwritten, $160,000 – $250,000 (in $10,000 increments)
Can I also insure my family members?
Yes, you can also apply for coverage on your spouse (through age 64) and your children (from 15 days old to age 26). Spouse includes domestic partners who have provide a domestic partner affidavit or other documentation as required by law.
Are lower non-smoker rates available?
You qualify for nonsmoker rates if you have not smoked cigarettes, cigars or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during the 12 months before submitting an application for life insurance.
When is the coverage effective?
When your application is approved by the insurer and we have received your first premium payment, your insurance will become effective as of the first of the month coinciding with or following approval.
Do I have to meet with an insurance agent?
Issuance of this policy is handled over the Internet and 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 view the Contacts section for the toll-free number.
What if I have second thoughts after I apply?
You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.
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